The actual coverage will depend on your policy and your insurer. But here is what travel insurance for seniors in Canada usually covers:
Emergency medical expenses: This covers the costs of medical treatment and hospitalization in case of sudden illness or injury while travelling abroad.
Trip cancellation/interruption: It reimburses non-refundable trip expenses in case the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen events.
Baggage loss/delay: Essentially, this provides compensation for lost, stolen, or delayed baggage, helping seniors replace essential items during their trip.
Emergency medical evacuation: This covers expenses related to transporting the insured back to home country for medical treatment if necessary.
Some insurers also offer coverage for pre-existing medical conditions, although it may come with certain restrictions or higher premiums.
Provincial healthcare coverage doesn't always extend fully to other provinces. Out-of-province travel insurance is vital when older adults travel within Canada to cover unexpected medical expenses, emergency medical evacuations, prescription medications, and trip interruptions. It fills gaps in provincial coverage, offering access to comprehensive healthcare while exploring different provinces.
