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Top 5 travel insurance myths

Top 5 travel insurance myths

For many Canadians, securing travel insurance is a regular part of their travel plans. Knowing that they are covered for unexpected medical emergencies and other unforeseen circumstances when travelling allows them to relax and enjoy their trip.

Unfortunately, there is misinformation online about travel insurance that has led to a number of common myths about the need for travel insurance coverage.

Here are the five most common myths about travel insurance.

Myth #1: Travel insurance is too expensive

For most travellers, affordability is a key consideration when they plan a trip. Everyone wants to get the best deal on their vacation and save money anywhere they can. One way people save money is by purchasing cheap travel insurance or by opting out altogether. However, this approach could end up costing you significantly more money if you need emergency medical care, have travel issues or experience travel delays.

The reality is that travel insurance is more affordable than you think. With Blue Cross, you can personalize your travel insurance, as rates are based on your age and trip duration. In fact, if you are a frequent traveller, buying multi-trip travel insurance could save you even more money.

Myth #2: Travel insurance is not necessary for short trips

Even if you are only going away for a couple of days or a weekend, having a travel insurance policy ensures that you have access to emergency medical care if you need it. Travel issues can happen within the first hour of your trip, on the last day of your trip or anytime in between.

Myth #3: Getting travel insurance is a hassle

Getting a travel insurance quote is much easier than most people realize. With Blue Cross, you can get a quote in only a matter of minutes by providing some information about your trip and your group of travellers. You will then be presented with personalized travel insurance options to consider. Choose the option that makes the most sense for you and purchase your policy. It’s really that quick and easy.

Myth #4: Travel insurance is not necessary for trips within Canada

Whether you are taking a trip across the border or driving to another province, the only way to ensure that you are protected in case of an emergency is by purchasing a travel insurance policy for your trip.

The Ministry of Health and Long-Term Care states that “typically [OHIP] coverage (while out-of-province but within Canada) is for physician and hospital services only. Therefore, when travelling outside of Ontario but within Canada, the ministry recommends that you obtain private supplementary health insurance for non-physician/non-hospital services.”

Although you will have a limited amount of coverage through OHIP while you’re in another province, the amount of money you may need to pay for services not covered by OHIP, such as ambulance service, will typically be more than the cost of a travel insurance policy.

Myth #5: Travel insurance is not necessary for those who are young and healthy

Young people often think that because they are young and healthy, they won't need travel insurance coverage. However, travel insurance covers you for much more than emergency medical costs. It also provides coverage for trip delays, lost baggage and other travel-related issues. Regardless of age or health, a medical emergency or accident could occur at any time, and having travel insurance will ensure you have a worry-free trip.


Are you planning a cross-country trip? Get a free travel insurance quote and travel with the peace of mind in knowing you are covered for anything that may come up.