What's not covered?

1. General Check-Ups: I'll be in Spain for a year and will need an annual physical while I'm there. Can I get coverage for a check-up?

Unfortunately, the answer is no. Travel insurance protects you when it comes to the medical costs related to an unforeseen illness or injury. This means that general "check-ups" will not be covered.

Also Excluded:
  • hospitalization or medical services related to general health examinations
  • treatment of an ongoing condition
  • regular care of a chronic condition
  • home health care
  • investigative testing
  • rehabilitation or ongoing care or treatment due to drug, alcohol, or any other substance abuse
2. Professional Sports: I just received an offer to play for a professional rugby team in New Zealand. I think it's awesome, but my mom is really worried that I might get hurt! If I were to injure myself while playing rugby, would my travel insurance cover the medical costs?
Regular travel insurance will not cover the medical costs associated with injuries due to participation in a professional sport (i.e., if this is your main paid occupation). High-risk activities such as competitive motorized sporting events, racing, or motorized speed contests are not covered either. Contact us about acquiring professional sport insurance.
3. Mental Illness: I have suffered from a mood disorder for several years now, but with my new medication, things seem to be under control. What if I have a bad spell during my travels? Will I have to pay to see a doctor?
Unfortunately, you will need to pay. Medical expenses related to a symptom or condition that is emotional, psychological, or mental in nature will not be covered. An exception is made if you are hospitalized for the reasons mentioned above.
4. Existing Medications: I've been backpacking through Europe for the past couple of months, and I ran out of my asthma medication. Will my refills be covered?
No. Expenses related to the replacement of an existing prescription are not covered. It doesn't matter if you lost your meds, need to renew your prescription, or if it's because you brought an inadequate supply along with you.
5. Stability Period: I sprained my ankle a week ago, and will be travelling to Mexico in a few days. If it gets worse, will I be covered?
Insurance policies are subject to a stability period which can range from 7 days to 1 year (depending on the product purchased and the type of medical condition that you have). If any changes to your health occur (in relation to an existing illness, injury, or medical condition) within the period you are expected to remain stable, you will not be covered for related medical expenses. *Please note that every insurance company has their own definition of stable. You can find it under the Definitions section of your policy document.
6. Medical Tourism: I'm on a waiting list to get knee replacement surgery after a bad sporting injury. The doctors said I could be waiting up to a year! I've heard of countries where there is no waiting period! Would travel insurance cover this surgery?
Travel insurance works to protect you in the event of an unforeseen illness or injury. This means that if you were to go on a trip with the intent of seeking or receiving medical treatment, these expenses would not be covered.
7. Waiting Period: I arrived in Cuba only to realize I had forgotten to purchase travel insurance! I bought some online when I arrived, but I was told that there was a 48-hour waiting period. I caught the flu today - will I be covered?
No. If you purchased your travel insurance after departure, any sickness or symptoms that were contracted or treated within the first 48 hours of purchase will not be covered.
8. Taxes: I purchased Trip Cancellation insurance for my all-inclusive trip to Mexico. I got sick and was unable to go. I got my money back - minus the taxes. What's the deal?
Your insurance company is not responsible for covering the refundable portion of your purchase, and flight taxes are refundable. Therefore, you need to ask the travel agency or airline for information about how to get a refund on the taxes.
9. Government Travel Advisory: My friends and I booked a trip to Nigeria, but there is a government advisory against travelling there. Can we get coverage?
This depends on the insurance company you choose to go with. Some insurers will cover unexpected sickness and accident, but will exclude any activities related to the specific subject of the travel advisory. Other companies will not cover you at all if the Department of Foreign Affairs or the International Trade of the Canadian Government issues a travel advisory or formal notice before your departure date. The warning must warn Canadians against travelling to that specific country, region, or area. Contact us to find the product that will offer you coverage for destinations with travel advisories.