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Why Emergency Medical Travel Insurance Is a Must for Canadians

By HUB SmartCoverage Team on June 16th, 2025

Summer is the perfect time for Canadians to embark on adventures, whether exploring the Rockies, relaxing on the East Coast, or venturing abroad. While planning your getaway, it's crucial not to overlook emergency medical travel insurance. Even within Canada, your provincial health plan may not cover all medical expenses incurred outside your home province.

Why Emergency Medical Travel Insurance Matters

Provincial health plans have limitations when you're travelling outside your home province. Services like ground or air ambulance, emergency dental care, and prescription medications may not be fully covered. For instance, Ontario's health insurance plan may reimburse only a portion of out-of-province emergency services, leaving you to cover the rest.

Common Medical Claims During Travel

Travelling exposes you to unfamiliar environments and activities, increasing the risk of medical emergencies. Common claims include:

  • Fractures and Sprains: Often resulting from outdoor activities or accidents.
  • Gastrointestinal Issues: Caused by changes in diet or water sources.
  • Respiratory Infections: Due to exposure to new allergens or climates.
  • Allergic Reactions: From insect bites or unfamiliar foods.
  • Heatstroke or Sunburn: Especially during summer months.

These incidents can lead to significant medical expenses, especially if hospitalization or specialized treatment is required.

Partnering with Xodus Travel Services, HUB SmartCoverage ensures a seamless claims experience. Xodus offers:

  • Instant Verification: Immediate confirmation of claim processing.
  • Automated Assessment: Real-time analysis of your claim against policy terms.
  • Quick Resolution: Approved claims are processed promptly, with payments facilitated through partners

Tips for a Hassle-Free Claim

  • Keep Documentation: Retain all medical reports, receipts, and related documents.
  • Understand Your Policy: Familiarize yourself with coverage details and exclusions.
  • Declare Pre-existing Conditions: Ensure all health conditions are disclosed to avoid claim denials.
  • Submit Claims Promptly: Adhere to submission deadlines to prevent delays.

Enjoy Peace of Mind on Your Travels

Whether you're hiking in Banff or lounging on a faraway beach, emergency medical travel insurance provides the security you need. With HUB SmartCoverage and Xodus, you're backed by reliable support, ensuring that unexpected medical issues don't derail your summer plans. Begin your online quote today.

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