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American tourists are welcome to Canada, and our neighbors to the north offer a wide range of leisure activities and cultural experiences without traveling abroad. Many American cities offer direct flights through the provinces. You can opt for a short weekend to recharge your batteries in Quebec City or a longer trip to discover Vancouver.
“Rocky coasts, ancient forests and snow-capped peaks — Canada is known for its vast and remote natural landscapes, as well as its modern and historic cities that are exciting to explore,” said Lisa Cheng, spokesperson for World Nomad, a travel insurance company.
Although travel insurance is not required to enter Canada, many adventure travel companies, especially those operating in remote destinations, may require their travelers to have travel insurance, explains Cheng.
Make sure you check the entry requirements for Canada before you go.
Here’s what you should buy in a travel insurance policy for travel to Canada.
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Travel insurance that won’t leave you out in the cold
Standard travel insurance policies are packed with protections and provide financial protection against unforeseen and unforeseen events.
“With virtually any international destination, I would recommend purchasing a travel insurance product that covers trip cancellation, trip interruption, trip delay, medical expenses, medical evacuation and luggage, ”said Scott Adamski, spokesperson for AIG Travel.
Ideally, Adamski says to buy your travel insurance within 15 days of the date of the initial deposit for your trip, so that the advance purchase provisions of the travel insurance policy are incorporated as the waiver to the exclusion of pre-existing medical conditions.
Don’t worry if you have an upcoming trip to Nova Scotia to observe the leaves – a policy can still be purchased up to 24 hours before your trip departure date.
Blocked trip cancellation insurance
A travel insurance policy provides a safety net if things happen that require you to cancel your trip. For example, if your sister is supposed to watch your children while you are traveling and she becomes too ill to care for them, that would be a covered ground for cancellation.
Other reasons typically covered by trip cancellation insurance include death or serious illness or injury, job loss, military deployment, family emergency, terrorism, or inclement weather that affects air travel.
Your policy will reimburse any prepaid or non-refundable charges you have paid. This could include ski tickets and private ski lessons for a trip to Banff which are not exchangeable or refundable.
Whenever you are investing large sums of money for non-refundable deposits, consider purchasing travel insurance as a safety net.
Not all reasons for canceling a trip are covered. If you and your partner break up five days before a long weekend in Montreal, that’s not a reason covered in a standard cancellation policy.
If you see signs of an impending relationship breakdown prior to your trip, the best course of action is to purchase an upgrade to “Cancel for Any Reason” (CFAR) coverage, which adds around 40% of the cost of travel insurance. This upgrade will allow you to cancel your trip for any reason, but it must be canceled 48 hours or more from your scheduled departure time.
If you separate from your partner and your trip, you can be reimbursed 50% or 75% of the cost of the trip under CFAR coverage, depending on the plan.
Delays in your adventure in Canada
During the winter months, it is not uncommon for extreme weather conditions to cause flight delays or the closure of airports in Canada. If you are planning a trip to Whistler, you could take at least two flights to get there. For example, if you are traveling from Atlanta to San Francisco and your flight is delayed due to thunderstorms, a snowball effect may occur causing you to miss your connecting flight to Vancouver.
If you require a hotel stay and meals, you can file a claim for travel delay insurance. Just be sure to keep all receipts.
Many insurance plans have a minimum amount of time before you can be reimbursed. Check your policy: this is often six to twelve hours.
Travel delay benefits also cover expenses you will miss due to a covered delay.
If you’ve prepaid for a private ski lodge with close access to snowboarding, skiing, and other outdoor activities, and you’re missing a day or two due to inclement weather, you can file a claim.
Fight against travel interruptions
One of the most heartbreaking vacation problems is having to cut your trip short due to a family emergency.
The province of Quebec allows you a slice of European life without the costly and long flight overseas. If during your trip to Quebec City taking advantage of the Winter Carnival, your grandfather in the United States slips on steps and has a serious fall, that would be a covered reason to interrupt your trip.
Trip Interruption Benefits would cover the cost of booking a one-way ticket and would also cover any missed visits you have prepaid that are non-refundable.
Deal with lost bags and personal effects
The benefits of your policy extend far beyond lost baggage. Lost Baggage Coverage also protects personal belongings during your trip to Canada.
“If you check in your ski or mountaineering equipment on your flight, travel insurance can help you replace, repair or reimburse if your equipment is lost or damaged during your trip,” says Cheng of World Nomads. Note that you will generally receive the depreciated value of your equipment or skis, and not the cost of new items.
Or, if you are visiting Toronto, it is wise to be vigilant with your personal belongings. If your iPhone is ripped from your back pocket, you can use the personal effects coverage of your travel insurance policy for reimbursement.
Make plans for medical bills in Canada
Even though Canada is right across the border, your US health insurance plan will not be accepted there unless it specifically provides global coverage. American Medicare is also not accepted in Canada. It is important to purchase travel medical insurance in case you sustain an injury or become ill while in Canada.
We all know that Canada attracts winter sports enthusiasts. If you are snowboarding and hit a tree or other person, it could be an accident. If you need medical attention, your travel insurance policy benefits will cover doctor visits, prescription drugs, x-rays, and even a hospital stay.
Even fully vaccinated travelers may want to specifically seek out a policy that covers Covid-related medical expenses while traveling.
Evacuation for serious medical problems
If you are in a particularly remote or isolated area of Canada, you will also need emergency medical evacuation coverage to facilitate transportation to the nearest appropriate hospital for your condition, which may be at risk. hundreds of kilometers, explains Cheng of World Nomads.
If you have an accident or very serious illness, your travel insurance company will coordinate a medical evacuation to bring you to a trauma unit for medical treatment.
If you don’t have this coverage, you would be responsible for medical bills and private medical transportation which could cost thousands of dollars. The nominal cost of a strong travel insurance policy provides peace of mind.
Other Insurance Considerations for Canada
In Canada, road trips are very popular.
“A lot of tourists will fly to a province and get a rental car to travel from, say, Calgary to Vancouver, on a tour of the mountains and the sites in between,” says Adamski. “You’ll want to make sure your policy includes rental car collision damage coverage, which is optional on our plans. “
AIG Travel offers another optional policy upgrade called the Inconvenience Package, which can provide additional coverage for rental vehicle breakdowns that requires you to arrive late at your destination (or miss a flight, hotel stay). or a prepaid excursion).
There are countless opportunities for adventure sports in Canada, including mountaineering, hang-gliding and whitewater rafting.
“So if you are planning such activities, you should be aware of all the relevant exclusions in your policy,” Adamski cautions. Many travel insurance policies exclude adventure and extreme activities, but you can work with a travel insurance agent to identify policies that will cover your planned activities.
For example, the AIG Travel Adventure Sports package is an optional upgrade that waives exclusions for adventure and extreme activities from all the benefits of a policy.