Are you gearing up for a Canadian road trip this coming summer? Whether you’re planning to explore the Atlantic Coast or take an RV trip with your dog, there’s just something about hitting the open road and soaking up the sights that makes summer feel complete. Regardless of your choice of transportation, it’s important to keep in mind that, just like with an airplane or a cruise ship, having travel insurance while travelling across Canada is a must.
Looking for some Canadian road trip ideas? Here are a few things we found in various provinces to help get you started.
What coverage do you need for a cross-country road trip?
1. Emergency Medical Insurance Coverage
It’s a common misconception that your provincial healthcare covers all related medical expenses regardless of where you are in Canada, but this is not the case. Those who plan on doing some out-of-province travel might want to take a look at these common questions about Emergency Medical Insurance before deciding to skip the travel insurance this time around.
With TuGo’s Emergency Medical Insurance, travellers can enjoy comprehensive emergency medical protection, even within Canada. This includes out-of-province costs incurred from medical emergencies, sickness or accidents during your road trip, including ambulance services and prescription drugs. Coverage becomes even more crucial if you ever find yourself in remote locations with limited access to proper medical care while on the road.
You might be thinking that taking just one trip this year (or any other year, for that matter) means you don’t need travel insurance, but that’s a common misconception, and every trip you take outside of your home province should include travel insurance. Luckily, there’s a way to enjoy coverage for your second, third, fourth (and so on) trip this year with an annual travel insurance policy.
Regardless of what you’re planning, it’s vital to understand your travel insurance policy before you set off.
2. Rental Car Protection
Road trips are all about the thrill of the open road, right? So, if you plan to rent a car (not including RVs) for your cross-province adventure, you should always consider rental car insurance that will reimburse you in case of any loss due to physical damage or loss of a rented car. This can include towing, salvage, and fire department charges.
Check out this blog for more on TuGo’s Rental Car Protection Insurance and the many benefits of this add-on to Emergency Medical Insurance.
3. Sports & Activities Optional Coverage
Although Emergency Medical Insurance covers a wide array of outdoor and indoor activities most travellers enjoy on road trips, you may be the type of traveller who likes to scale up the adventure a notch. Whether you like scheduling activities like mountain biking, rock climbing, mountaineering, base jumping, scuba diving (over 40 metres) or skydiving into your road trip, Sports & Activities Optional Coverage allows travellers like you to “err on the side of adventure”—packing less worries and more adrenaline.
4. Trip Cancellation & Trip Interruption Insurance
If travel has taught us anything, it’s that sometimes things don’t go as planned; take the Pawars’ family vacation story, for example. So, having Trip Cancellation & Trip Interruption Insurance protects your non-refundable, unused prepaid travel expenses from the unexpected. These include unexpected illness, injury, and/or death, travel advisories, cancelled tours, natural disasters, and other unforeseeable events, and more.
Road trips are a fun way to see Canada’s beautiful landscape and spend time with the people you love. Whether you plan to take a long weekend getaway or cruise off on the great Canadian road trip you’ve always wanted to take, we’ve got you covered.
Happy travels,
Monique
Editor’s Note: This post was originally published in June 2021 and has been updated for freshness and/or accuracy.
