Many Canadians assume they’re fully protected when travelling, thanks to provincial health care or added benefits through work or credit cards. Unfortunately, this belief often leads to unexpected expenses and stressful situations abroad. At Choice Insurance Service, we help travellers understand the real value of proper coverage.
Let’s clear up some of the most common travel insurance myths so you can travel with confidence.
Myth 1: Provincial health care covers me outside Canada
Provincial health care plans offer excellent coverage at home, but they provide very limited protection once you leave your province—and even less outside Canada. In many cases, they may reimburse only a small portion of medical expenses.
Medical treatment abroad can be extremely costly. For example, a hospital stay in the U.S. can cost thousands of dollars per day. That’s why private travel medical insurance is strongly recommended for Canadians travelling internationally.
Myth 2: I don’t need travel insurance if I’m travelling within Canada
While provincial health care does apply across Canada, it doesn’t cover everything. Expenses like ambulance services, prescription drugs, medical equipment, or emergency transportation home may not be included.
Travel insurance helps cover these extra costs and can even assist with bringing a family member to your side if you’re hospitalized away from home.
Myth 3: Credit card travel insurance is enough
Some credit cards include travel coverage, but it’s often limited. Coverage may only apply if you paid for your trip using the card, and it may exclude family members or longer trips.
It’s also common for credit card travel insurance to have low coverage limits or short trip duration caps. Reviewing your policy details is important to avoid unexpected gaps.
Myth 4: My employee benefits plan covers travel emergencies
Employee benefits can help, but they usually offer limited coverage for medical emergencies abroad. The maximum coverage amount may not be enough to cover serious situations, and trip cancellation or interruption benefits may be missing altogether.
Before relying on your group plan, check what’s included—and what isn’t. Many travellers choose additional coverage to avoid paying out-of-pocket.
Myth 5: I’m too old to qualify for travel insurance
There’s no age limit on travel itself, and there shouldn’t be one on protection either. While some policies have age-related conditions, many insurers offer travel insurance for seniors.
Travellers over 60 may need to complete a medical questionnaire, and pre-existing conditions may require stability for a certain period. The key is choosing the right plan that fits your health needs.
Travel with Confidence
Understanding the truth behind common travel insurance myths can help you make smarter decisions and avoid costly surprises. Whether you’re travelling within Canada or abroad, having the right coverage means peace of mind every step of the way.
If you have questions about travel insurance or want help choosing the right plan, Choice Insurance Service is here to help.
Travel smart. Travel protected.
