Surprising facts about why relying solely on provincial health insurance when travelling within Canada can leave you vulnerable. Here's everything you need to know about staying protected domestically, including helpful tips to make your trip go smoothly.

Infographic - Travelling in Canada

On your next Canadian voyage, don’t forget to pack your insurance. Get a travel insurance quote here.

 

Travelling in Canada. Here’s What You Need To Know

Oh Canada!

The proof is in the poutine—Canadians love to travel. And with so much to see from far and wide, many are choosing to vacation right here in Canada.

In 2017, 60% of Canadians travelled domestically.1

Almost Perfect

Proud to be the true north strong and free, and envied for our robust healthcare system, we have it pretty good here in Canada. There are, however, some limitations when travelling outside of your home province or territory that many Canadians are unaware of.

Did You Know?

While in another province, if you suffer an illness or injury which requires emergency evacuation, or transport to an appropriate facility, without supplemental travel insurance you may be responsible for a potentially sizable bill.

What may not be covered by your provincial coverage or employer-provided coverage:

  • Ambulances, including land, air and sea
  • Prescriptions
  • Bedside companions
  • Medical escorts
  • X-rays
  • Emergency dental care2

Too Polite to Ask, “How Much”?

It’s a common misconception that travel insurance is a costly, non-essential expense, but you may be surprised to learn that it is relatively inexpensive, especially when weighed against the potential cost of not having it.

Supplemental health insurance can start at $30 for a trip up to 4 days for Canadians under 65.3

Avoiding Thin Ice

Even if you’re just keeping your hockey sticks crossed that you won’t need medical attention on your trip, there are other things to consider when it comes to travel insurance.

With the right plan, you can also have coverage for:

  • Travel expenses due to medical emergencies or other trip interruptions
  • Last-minute cancellations due to unexpected health issues or other unforeseen events
  • Baggage delays and lost or stolen luggage
  • Concierge services who can help with things like restaurant reservations, legal/bail assistance, and more

Travel insurance is a smart way to fill the coverage gaps left by your provincial health plan. Ensure you’re protected while discovering all the wonder that Canada has to offer.

Wait! There’s more eh.

Stand on guard for these helpful tips:

Be Weather Wise. Canada’s weather patterns are as varied as the country is wide. Remember to do your research and pack appropriately for the time of year and destination.

Check Your Toonies. Just because you’ll be in Canada, doesn’t mean you’ll be paying the same amount for goods and services that you’re accustomed to at home. It’s always a good idea to check ahead and be prepared with adequate funds and payment methods.

Stay Alert for Animals. Canada’s roads have wildlife warning signs to remind drivers to be cautious, and a wildlife collision prevention program gives helpful hints to avoid hurting the local wildlife. Accidents, however, can happen. If you plan on using a rental car to get around, the right travel insurance may help provide coverage for these types of incidents.

Sources

1. Ipsos. “Travel Insurance Factum.” Survey. May 2017.

2. https://www.ctvnews.ca/health/skipping-travel-insurance-when-travelling-within-canada-couldcost-you-1.2515038

3. This is based on rates from RBC Insurance for a trip up to 4 days for someone under age 65.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.