How to choose the best travel insurance
Dec. 12, 2025
Global Korean Post
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It’s your responsibility to know and understand the terms of your insurance policy. Read the fine print and ask for help if you need it.
The information you provide must be accurate and complete. If you have any questions, contact the insurance company. Ask them to send you a written explanation.
Carry your insurance information with you and leave a copy with a friend or relative at home.
When assessing a travel health insurance plan, you should ask a lot of questions:
- Is there a deductible? If so, how much is it?
- Plans with 100% coverage are more expensive but may save you money in the long run
- Does the plan offer continuous coverage for the length of your stay outside Canada and after your return?
- Does the plan exclude or limit coverage for certain regions or countries you may visit?
- Does the plan cover medical treatment?
- Travel health insurance rarely covers routine health checkups, non-emergency care or cosmetic surgery.
- It may not cover mental health disorders.
- Does the plan cover drug or alcohol-related incidents?
- Does the plan exclude coverage for activities such as mountaineering, skiing, scuba diving or extreme sports?
- Does it offer coverage that is renewable from abroad and for the maximum period of stay?
- Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
- Does it pay for hospitalization for illness or injury and related medical costs at your destination?
- Does it pay your bills or provide cash advances up front, so you don’t have to pay them?
If you’re driving, make sure you have driver and vehicle coverage in case you have an accident.
If you’re flying, make sure you get insurance for trip interruption, lost luggage and document replacement. You may also want to consider trip cancellation insurance.
