Emergency medical coverage
Check the coverage limit, deductible, emergency-assistance process and whether direct billing or upfront payment may be required.
Global travel planning
Travel insurance planning by destination
Use the destination guides to identify the coverage questions that matter for your trip, then read the policy wording and confirm eligibility directly with the insurer.
Quick answer
What to know before you choose
For most international trips, compare emergency medical limits first, then review pre-existing-condition rules, trip cancellation and interruption, baggage coverage, deductibles, exclusions, adventure-activity limits and how emergency assistance works.
What to compare in travel insurance
Use these points to compare options before you commit.
Pre-existing conditions
Read stability periods and medical-condition exclusions carefully. Definitions and eligibility rules vary by policy.
Cancellation and interruption
Confirm which events are covered, the maximum benefit and whether non-refundable bookings are included.
Activities and exclusions
Check exclusions for sports, higher-risk activities, alcohol or drug-related incidents, unattended belongings and destinations under advisories.
Choose a destination
Open a country guide for destination-specific planning. Confirm time-sensitive rules, availability and final prices with the relevant provider or official authority.
South Africa
Review medical, cancellation, baggage and assistance considerations for travel to South Africa.
Read the South Africa guideBrazil
Review medical, cancellation, baggage and assistance considerations for travel to Brazil.
Read the Brazil guideTravel Insurance questions
Is provincial health coverage enough outside Canada?
Provincial plans may cover only a limited portion of medical costs outside Canada. Review your province or territory guidance and consider private emergency medical coverage.
Should I rely on credit-card travel insurance?
Credit-card coverage can be useful, but eligibility, trip-length limits, age limits, covered costs and exclusions vary. Read the certificate of insurance before relying on it.
Does Travel Network World provide insurance advice or issue policies?
No. These pages are planning information only. Insurance providers issue policies, determine eligibility and handle claims.
Independent planning contextWe explain what to compare before you leave the site.
Provider completes the bookingPayment, availability, changes and cancellations are handled by the selected provider.
Verify changing detailsRules, prices and availability can change, so confirm them before purchase or departure.
Build the rest of your trip
Connect this decision with the parts of the trip that affect timing and total cost.