All travel policies have their own requirements for eligibility with limitations and maximum amounts for certain types of claims and benefits. There are exclusions that may not be covered or may be limited.

Some policies will require you to declare all of your medical conditions and medications. Others will define the eligibility criteria required for coverage. It’s important that you understand your medical status and report it correctly to the insurance company as that information is used to determine your coverage and your premium.

Be aware that if there are any changes in your medical status between the time you buy the policy and leave on your trip, you need to notify the insurance company as this may affect your eligibility and your rate. Remember, if you provide inaccurate or incomplete answers to the questions, your claim can be denied; even if the question that is answered incorrectly is not related to the cause of the claim.

Claims generated by activities such as skydiving, bungee jumping, alcohol or drug abuse may also not be payable. It’s important you read and understand the exclusions and limitations; as travel insurance covers unexpected emergencies only. It is not a substitute for your provincial health insurance.