What does travel medical insurance cover?

Travelling to somewhere new is a thrilling experience. However, unexpected medical emergencies can turn a dream vacation into a nightmare. No one plans on becoming ill or experiencing an injury while travelling – but it is something everyone should plan for. There’s confidence that comes with knowing that you could have coverage for certain travel-related medical emergencies.

Travel insurance plans can provide coverage for unforeseen costs associated with things like eligible illness, injuries, or delays and cancellations. With a variety of coverage plans available, you can look for a travel insurance plan that works for you and your specific needs. Learn more about travel insurance and the different types of travel insurance plans offered by TD Insurance.

Travel medical insurance can help pay for certain medical costs when travelling. Travel Medical insurance coverage varies depending on the insurance plan you choose. So, it is important to review the terms of your policy to see what the coverage includes.

Some examples of the type of benefits included in TD Insurance's travel medical insurance plans include:

• Emergency hospital costs
• Prescription medication costs; and
• Air ambulance.

Learn more about different travel insurance plans offered by TD and choose a plan that works for you.

Travellers may have some level of travel insurance coverage through a credit card, or through their employer when travelling for work. Sometimes, these plans only provide coverage for a certain number of days. In general, top-up insurance provides coverage for additional days not included in your existing plan. The ability to top-up an existing travel insurance plan varies by insurers. Speak to your travel insurance provider before you travel to see if you are eligible to top-up your existing travel insurance.

See how you can top-up your existing insurance coverage with TD Insurance

Travel insurance is optional, so you don't always need to buy it. But the right insurance plan could help you avoid expenses associated with illness, injury, or the cancellation of a flight. You should consider travel insurance before departing for your trip, as you may be ineligible to apply for it once you've left the country.

Trip cancellation insurance can help provide coverage if your trip is unexpectedly cancelled due to a covered cause before you depart on your trip. Depending on the coverage you choose, trip cancellation insurance could reimburse you for non-refundable, pre-paid expenses like flights or accommodations.

While you are on your trip, if your plans change due to an unexpected, covered cause, trip interruption insurance could provide coverage for your trip home or to your next destination.
Check out this article to learn more about Trip Cancellation and Trip Interruption Insurance offered by TD Insurance.

This type of plan provides you with multiple benefits.  Depending on the insurer, what benefits are included can vary.  For example, an all-inclusive plan could include emergency travel medical coverage, trip cancellation and interruption and more, for multiple covered trips up to the maximum trip duration selected within one year.

Learn more about the all-inclusive plan that TD Insurance offers here.

Certain credit cards may provide some level of travel insurance. The specific coverage offered will vary by providers and depends on the type of card you have. Even if you do have coverage, be sure to check it before assuming that it is sufficient to cover any unexpected costs that might occur.

The Credit Card Travel Insurance Verification Tool can help you check if you have travel insurance on your existing TD credit card.

You may be surprised to learn that your provincial healthcare may not cover all medical expenses when visiting a different province or territory. What is and isn’t covered when visiting different provinces can vary. For example, some provinces will not provide coverage for expensive medical services, such as air ambulance transportation or prescription medications.

Purchasing travel insurance could help pay for expenses such as air ambulance transportation and prescription medications which may not be covered under your provincial healthcare plan.

Travel insurance could be valuable to have when travelling internationally. It  provides coverage for eligible medical expenses if you end up needing medical attention  on your trip.

From insurance coverage to travel tips, here are some things to consider before travelling internationally.

Choose a travel medical insurance plan that best suits your needs.

Learn more about travel medical insurance plans offered by TD Insurance.

Bon voyage!