Blog
Expert insights on travel insurance, provincial coverage gaps, and protecting your trip.
What Your Provincial Health Plan Actually Covers Abroad (It’s Less Than You Think)
Ontario pays only a small fraction of medical costs abroad. BC pays $75/day against $15,000 hospital bills. Here's what every province actually covers — and…
Travel Insurance with Pre-Existing Conditions: The Complete Canadian Guide
Pre-existing conditions are covered if stable. Here's exactly what 'stable' means, the stability periods by age, and what counts as a change to your treatment…
Cancel for Any Reason (CFAR): Is It Worth the Extra Cost?
Cancel for Any Reason lets you cancel your trip for literally any reason and get up to 50% back. Here's when it's worth the extra…
The Canadian Snowbird’s Guide to Travel Insurance in 2026
Canadian snowbirds face unique travel insurance risks: extended stays, age-related health concerns, and very limited provincial coverage in the US. Here's what you need for…
Why Hospitals Abroad Might Turn You Away (And How to Prevent It)
Many hospitals abroad won't admit you without a Guarantee of Payment. Your credit card can't issue one. Here's why standalone travel insurance is the difference…
Trip Cancellation Insurance: When Your $8,000 Non-Refundable Flight Isn’t Going to Happen
Your $8,000 non-refundable trip can vanish overnight. Trip cancellation insurance covers illness, your home being made uninhabitable, job loss, and more. Here's exactly what's covered.
The Cost of Coming Home: What Happens When the Worst Happens Abroad
Repatriation of remains from abroad costs $8,000–$35,000. Provincial health plans cover none of it. Here's what travel insurance actually handles.
Medical Evacuation: The $150,000 Flight Home Nobody Budgets For
Air ambulance from Asia costs $250,000. From Florida, $40,000+. Your credit card caps at $50K. Here's why evacuation coverage is non-negotiable.
The 72-Hour Communication Blackout: What Happens After You Call Your Insurer
After calling your travel insurer from a hospital abroad, the next 72 hours can feel like silence. Here's what's actually happening and what to do…
Earthquakes, Hurricanes, and Volcanoes: Does Your Travel Insurance Cover Natural Disasters?
Earthquakes, hurricanes, and volcanic eruptions abroad — here's exactly what your travel insurance covers before, during, and after a natural disaster.
