As the first snowflakes settle across Ontario and Canadians start thinking about escaping the cold, many are packing their bags for winter getaways — whether it’s a sunny beach holiday in the Caribbean, or a cozy ski trip in Europe. But before you jet off, there’s one key question to ask: Do you need travel insurance?
The short answer: Yes, almost always. Below, we explain why travel insurance should be on every Canadian’s holiday checklist, what it typically covers, and what you need to look out for.
Your Provincial Coverage Likely Won’t Protect You Abroad
Many Canadians assume their provincial health plan will cover emergencies outside the country. Unfortunately, that’s not the case.
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Provincial plans cover little to nothing abroad. In Ontario, OHIP may cover only a small portion of emergency costs outside Canada — and none of the big expenses like ambulance services, medical evacuation, prescription drugs, or repatriation.
What Travel Insurance Can Cover
Travel insurance is designed to protect you from the financial impact of unexpected issues. A comprehensive plan often includes:
Emergency Medical Care
Covers hospital stays, doctor visits, surgery, diagnostics, emergency dental, air ambulance, and more.
Emergency Medical Evacuation & Repatriation
If you need to be transported back to Canada for treatment, evacuation can cost tens of thousands of dollars. Insurance absorbs that cost.
Trip Cancellation
If you need to cancel your trip before departure due to a covered reason (illness, injury, family emergency, severe weather), you can recover non-refundable trip costs like flights, hotels, and tours.
Trip Interruption
If your trip is cut short for a covered reason, interruption coverage can pay for early flights home and reimburse unused portions of your trip.
Baggage Loss, Damage, or Delay
Protects your checked or carry-on items if they’re lost, stolen, or held up for hours.
Special Considerations for Snowbirds and Long-Stay Travellers
If you’re planning an extended winter away — especially to the U.S. — there are extra steps to take:
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Check your provincial health plan’s residency requirements. Losing provincial eligibility can jeopardize your travel insurance coverage.
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Make sure your insurer knows exactly how long you’ll be away. Many policies have maximum trip lengths.
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If driving across the border, Ontario auto policies generally allow travel outside the province, but only for a limited time. Confirm your coverage period and notify your broker.
Because snowbirds often stay for months, their insurance needs are more complex — but also more critical.
How to Choose the Right Travel Insurance Policy
Here’s what to look for when comparing plans:
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Emergency medical coverage limit (many experts recommend $5 million for U.S. travel).
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Clear coverage for pre-existing conditions — disclose everything.
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Trip interruption/cancellation terms — including weather, airline issues, or unexpected medical problems.
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Baggage and personal property limits.
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Coverage for winter sports, if applicable.
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Evacuation and repatriation, which can be the most expensive travel costs.
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Policy length, especially for long-stay travellers.
Buying travel insurance right after booking your trip ensures you’re protected from the moment you make your first deposit.
The Bottom Line: Travel Insurance Is a Must for Winter Getaways
Whether you’re lounging in Mexico, visiting family overseas, or hitting the slopes in Switzerland, travel insurance offers one thing every traveller needs: peace of mind.
A minor illness, lost suitcase, winter storm, or unexpected emergency doesn’t have to ruin your vacation — or drain your savings — when you’re properly insured.
Before you head out the door this winter, make sure your coverage is in place, your policy matches your travel plans, and any home or auto obligations are taken care of.
If you have any questions or want to update your current coverage, especially with the holiday season quickly approaching, contact an Oracle RMS licensed broker today!
