Travel Health Insurance FAQ's

Why do I need travel insurance?
Travelling anywhere can be risky. Travel health insurance is there to help pay any out-of-pocket expenses due to medical emergencies.

Where can I get travel health insurance?
You can get travel health insurance when travelling to Canada through many insurance companies. You can also bypass long phone waiting periods and apply online. Some places on the Internet like Manulife Financial make it easy and convenient to apply.

What is a deductible?
A deductible is a way for insurance companies to reduce your premium. If your plan has a $100 deductible, that means that you pay the first $100 of expenses and then the insurance company pays for the rest. The higher the deductible, the lower the cost of the premium and vice versa.

What should I do if I run into problems while travelling?
Consult the advice of your tour operator, local police or country consulate.

What does travel health insurance cover?
Depending on your plan, travel health insurance covers the cost of most medical bills and related expenses if you have an emergency accident or illness while travelling.

When travelling to Canada, is it better to purchase insurance from my hometown or from a Canadian insurer?
It is best to purchase travel health insurance from a Canadian insurance company. Canadian insurance providers may be more familiar with the healthcare system, therefore have more experience handling such claims. They also know the cost of medical procedures.