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Journey Inside Canada Journey Insurance coverage FAQs


Whether or not you’re heading out on a spring break street journey or planning a summer time getaway to reap the benefits of economical home flight choices, travelling inside our personal nation is a superb and rewarding expertise. However many Canadians aren’t conscious that having journey insurance coverage protection to take action continues to be crucial. 

To begin, you’re in all probability considering, “Doesn’t provincial healthcare cowl me”? Whereas it does cowl you for medical prices inside Canada, provincial healthcare plans don’t cowl the whole lot; and in the event that they do, they could solely cowl prices partially. On this weblog submit, we’ll cowl essentially the most frequent and generally requested questions we obtain from prospects about journey insurance coverage for home journey. Learn on! 

Mostly requested questions on Emergency Medical Insurance coverage for journey inside Canada


Do I want to purchase journey insurance coverage for journey inside Canada? 

Sure, Emergency Medical Insurance coverage must be thought-about to cowl you for sudden prices like air, sea or floor ambulance, ER charges, emergency dental companies, prescribed drugs, return of auto and extra, for out-of-province journey.  

As famous above, your provincial well being care will cowl emergency medical prices. However to keep away from being out-of-pocket for the opposite prices related to a medical emergency, shopping for Emergency Medical protection is the best way to go. 

For different COVID-19 and insurance coverage associated questions, take a look at TuGo’s Journey Insurance coverage FAQs


Am I coated for COVID-19 if I’m travelling to a different province?

Sure, you’ll be coated by your provincial healthcare plan for COVID-19 and different medical emergencies. That stated, you might wish to think about buying Emergency Medical Insurance coverage for the opposite prices that may be incurred over and above what your provincial healthcare plan pays for, like an ambulance experience, return of auto and extra. 

For different COVID-19 and insurance coverage associated questions, take a look at TuGo’s Journey Insurance coverage FAQs


Can I get an annual plan for journey inside Canada? 

Sure, for those who plan on travelling greater than twice in a given yr exterior of your house province, you would possibly wish to think about a extra environment friendly choice that gives extra worth, within the type of an annual plan. Learn extra about Multi Journey Annual Emergency Medical plans. 


I have already got a Multi Journey Annual Worldwide plan—am I coated for journey inside Canada?

Sure, for those who journey inside Canada however exterior your house province, protection is mechanically supplied for emergency medical bills. 


I’ve a pre-existing medical situation. Can I journey to a different province any time beneath Emergency Medical Insurance coverage?

With a Journey Inside Canada Emergency Medical plan, there may be no stability requirement for pre-existing medical situations. This implies you don’t have to attend a minimal variety of days (as you’d for those who had been travelling to the US or different nations) to make sure your medical situation and associated signs are steady. 

Nonetheless, there are stability necessities, even for those who’re travelling inside Canada, in case you have a: 

  • Multi Journey Annual Emergency Medical Worldwide 
  • Single Journey Emergency Medical Worldwide 
  • Single Journey Emergency Medical Worldwide Excluding USA 

Remember to learn up on journey insurance coverage & pre-existing medical situation stability

Mostly requested questions on Non-Medical Insurance coverage for journey inside Canada


Why ought to I think about Journey Cancellation & Journey Interruption Insurance coverage if I’m travelling domestically? 

What you might not understand about Emergency Medical Insurance coverage is that it solely supplies protection for medical prices, as a consequence of an sudden emergency sickness or harm. Missed flights, excursions or non-refundable bookings gained’t be coated, which is why having Journey Cancellation & Journey Interruption Insurance coverage is so worthwhile. It is going to reimburse for non-refundable, unused pay as you go airfare, journey prices, and cancelled pay as you go excursions. 


I do know I gained’t cancel. Might Journey Interruption Solely Insurance coverage nonetheless be worthwhile for home journey?

Sure, Journey Interruption Solely Insurance coverage is an inexpensive method to cowl journeys from disruptions or interruptions that may trigger you to return earlier or later than you’ve deliberate, after you’ve already left in your journey. Study extra about Journey Interruption Solely Insurance coverage


Does TuGo have a stability requirement for journey inside Canada, when shopping for journey cancellation &/or journey interruption protection?

Pre-existing medical situations are coated beneath Journey Cancellation & Journey Interruption or Journey Interruption Solely plans if they’re steady (relevant to the traveller, the travelling companion and their relations, enterprise accomplice, employer, key worker, pal, caregiver and host at their journey vacation spot) as follows:    

For Single Journey  

  • On or inside the 60 days earlier than the date the insurance coverage is bought  

For Multi Journey Annual

  • On or inside the 60 days earlier than the date the journey is booked, when insurance coverage is bought earlier than the date the journey is booked  
  • On or inside the 60 days earlier than the date the insurance coverage is bought, when insurance coverage is bought after the date the journey is booked 

Is Baggage Insurance coverage obtainable for journey inside Canada?

Sure, Baggage Insurance coverage could be added to a Single Journey Emergency Medical, Journey Cancellation & Journey Interruption or Journey Interruption Solely plan earlier than departure. It’s useful within the occasion that your baggage is misplaced, broken, delayed or stolen. 


If I fly to a different Canadian metropolis and lease a automobile, would Rental Automotive Safety be obtainable?

Sure, Rental Automotive Safety could be added to a Single Journey Emergency Medical, Journey Cancellation & Journey Interruption or Journey Interruption Solely plan for journey inside Canada, earlier than your departure. This protection reimburses within the occasion your rental automobile is broken or misplaced. 


Have any extra questions on journey inside Canada protection? Submit them under! 

Joyful travels forward,
Melissa

Editor’s Notice: This submit was initially revealed in Might 2021, and has been up to date for freshness and/or accuracy. 

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