Most travelers face a seemingly difficult decision on the type of insurance coverage they should choose for their trip. You usually have to decide whether to go for travel insurance or international health insurance. Truth is, a lot of things can go wrong on a trip but if you don’t have the right insurance, you may not be able to deal with the situation. The government of Canada strongly recommends that you get travel insurance even if you are traveling outside Canada for a day. Here are things you should know about travel and international health insurance.

Why Travel Insurance?

Things can go wrong on a trip no matter how well planned it is. Emergencies of all kinds could lead to trip cancellation; it could be family, medical, job or even house emergency. Without travel insurance, you could be losing a lot of money if you cancel an expensive trip. Travel insurance can help you recover some of the money. It also covers a lot of other travel inconveniences such as lost or stolen luggage or passport.

Do You Need International Health Insurance?

If you stay abroad for more than 180 days, you will need this type of health insurance for health coverage. It covers emergency care as well as routine and preventative care when abroad.

Don’t purchase international health coverage without finding out what your current health insurance covers because it is possible that your current plan already provides coverage for some of these conditions.

For instance, your current plan may already cover emergency treatment outside Canada. Usually, you will have to pay the expenses and get reimbursed when you return to Canada. If this is the case, you don’t need to get another coverage. Click here to learn more.

Other Important Points to Note

Insurance needs may vary with individuals and family size. For instance, seniors and younger people may require more specialized care and if you are traveling for adventure sports or strenuous exercise, you need insurance that covers that kind of activity.

It is also important to consider the political climate of the area you are traveling to. For instance, your travel insurance may not be effective if you are traveling to regions of the world with active travel warnings. Finally, you don’t need to wait until the last minute to get your insurance coverage, the price may go up with time. Visit Insurdinary to learn more.