Provincial health coverage doesn’t follow you outside Canada. Travel insurance protects you against emergency medical costs, trip cancellation, and more — wherever you go.
A single emergency hospitalization in the United States can cost $50,000–$500,000 USD. Provincial health plans provide minimal or no coverage outside Canada. Travel insurance is not optional — it’s essential.
If you travel more than twice per year, an annual multi-trip plan is almost always cheaper and simpler. I compare both options so you get the right coverage for how often you travel.
Many plans exclude pre-existing medical conditions unless stable for a set period. I find plans with the most favourable stability clauses for your specific health situation.