When Should You Purchase Travel Insurance?

It’s best to purchase travel insurance as soon as you book your trip. Some coverages, such as Cancel for Any Reason (CFAR), are only available if you buy early. You can still purchase insurance closer to your departure date, but the coverage options may be more limited.

What Does Travel Insurance Not Cover?

Travel insurance generally does not cover: • Pre-existing medical conditions, unless specifically included in the policy • Trip cancellations without a valid reason, unless optional coverage (like CFAR) is purchased • High-risk sports or adventure activities • Situations involving political unrest or substance abuse

Is Travel Insurance a Substitute for Government Health Coverage?

No. Canada’s government health plans provide limited coverage outside your home province or abroad. Travel insurance helps fill that gap by covering additional medical and emergency costs.

Is Travel Insurance Mandatory?

No, it’s generally optional. However, for certain visas — such as the Schengen visa — having travel insurance is mandatory.

How Can I Confirm My Coverage and File a Claim If Needed?

You should carefully review the terms of your policy. In case of an emergency, contact the support center immediately and provide all required documents to file your claim.

What Are the Types of Travel Insurance?

Single-Trip: Covers one specific trip. Multi-Trip or Annual: Designed for frequent travelers who take multiple trips within a year.

How Much Does Travel Insurance Cost?

It usually ranges from 4% to 10% of the total trip cost. The exact amount depends on factors such as the traveler’s age, trip duration, and destination.

Travel Insurance | EN- Farsurance

Q: What Does Travel Insurance Cover?

Travel insurance typically covers: • Emergency medical expenses during your trip • Trip cancellation or interruption due to illness or unforeseen events • Lost, stolen, or delayed baggage with compensation for essential items • Accidental death or dismemberment benefits for travelers • Medical evacuation or emergency return to your home country

Farsurance

Solutions

Travel Insurance

Travel insurance is designed to protect you and your family from unexpected travel costs and risks anywhere in the world.

Get Travel Insurance Today

Travel Insurance
When you travel outside your province or abroad, you may face unexpected medical expenses. Travel insurance is designed to protect you and your family in such situations, helping to reduce the financial burden of travel.

Why Is Travel Insurance Important?

Peace of mind: You can travel confidently knowing that if an accident or sudden illness occurs, your expenses will be covered.
Protection against high costs: Medical treatment outside of Canada is often much more expensive than within the country.
24/7 assistance: Support teams help you access doctors or hospitals and arrange your return home if needed.
Avoid large upfront payments: Many hospitals require uninsured patients to pay significant amounts before treatment. Having travel insurance eliminates this risk.

What Does Travel Insurance Cover?

Depending on the plan you choose, travel insurance may include:

Emergency medical care during your trip
Coverage for trip interruption or cancellation due to unforeseen circumstances
Assistance for flight delays, including access to alternative services or accommodations
Coordination of emergency return home in special situations

Key Features of a Good Travel Insurance Plan

Comprehensive coverage: Includes medical care, trip cancellation or delay, baggage protection, and emergency assistance.
High coverage limits: For example, at least $50,000 for emergency medical expenses and $100,000 for medical evacuation.
Competitive pricing: Choose the most affordable plan that meets your needs.
Reliable provider: Check customer reviews and ratings to ensure service quality.
Free look period: Allows you to review and cancel the policy without penalty within a short period after purchase.

Common Mistakes to Avoid

Buying too late: You may lose key coverages such as trip cancellation due to weather events.
Not reading the policy terms: Many claims are denied because of unawareness of exclusions.
Providing inaccurate medical information: This can lead to claim denial.
Focusing only on price: The cheapest plan often offers the least protection.