The proper amount of medical coverage for your trip can be difficult to judge. When reviewing the different policies, you'll see that every policy will offer a different level of coverage ranging from $10,000 all the way up to $1 million. When determining how much protection you are going to need, there are a few things you'll want to keep in mind:

  • Does your own health insurance plan cover you while traveling outside of the country? Some companies will, some won't, but if you purchase a travel insurance policy that provides secondary coverage and need to file a claim, you will still be required to file through your own insurance. Therefore, it is always important to know how much you can expect from them, if anything. If you will be traveling for an extended period and your own insurance won't cover you, you'll want a higher medical limit. Also, it's important to note, Medicare will not provide benefits outside of the US, so if Medicare is your primary insurance, you will definitely want a higher medical benefit.

  • How long is your trip? If you're going to be away for more than a month or two, odds are you'll want to have a higher benefit to account for the greater exposure to risk. Of course, whether or not your own health insurance will cover you is still an important factor to bear in mind.

  • What activities will you be engaging in? If you will be doing anything hazardous (hang gliding, zip-lining, extreme skiing, mountain climbing, etc.), you may prefer a higher medical limit on your policy. You will also want to make sure that it isn't excluded, whatever it may be.

  • Ultimately, what amount do you feel comfortable with? Insurance should provide peace of mind so that you can enjoy your trip instead of worrying about what might happen. So if you feel safer having $100,000 as opposed to $50,000, then that may be the right decision for you.


While we do not currently have a plan dedicated to providing only medical emergency protection, these benefits are a part of the All Inclusive policies from Travel Guard and RSA. The medical benefits available on either of these policies are based entirely upon whether or not you have protection under the government health plan for your province (such as OHIP, for Ontario residents). For example, on the Travel Guard Gold Deluxe, the medical benefit is restricted to $40,000 if you don't have provincial health, but jumps up to $10 million if you do.

Typically this won't be an issue since almost everyone will have the government plan in place automatically, but it's something to be aware of just in case.