Expert guides and insights on travel insurance for Canadians
.png&w=1920&q=75)
Yes, you can travel with an implantable cardioverter-defibrillator. This guide explains what to do before you fly, how to glide through security, and how stability periods and recent device changes affect travel-insurance eligibility—plus what to carry and what to do if symptoms appear abroad.
Travelling with home oxygen makes buying insurance tricky. This guide explains common eligibility exclusions, how stability periods work, and which options may fit: TuGo (few eligibility limits; questionnaire if 60+) for current users, and GMS for travellers who have stopped using oxygen—provided it’s been at least 180 days. It also covers planning tips and why doctors’ notes on prescription changes matter.
Confused about tax residency vs health coverage? This guide explains how CRA tax status differs from provincial plan eligibility, how time-away limits and temporary-absence applications work, and why you can be a tax non-resident yet still (or not) keep MSP/OHIP/AHCIP. It also covers gaps, waiting periods on return, and when emergency travel insurance is recommended.
Planning an extended trip? This guide explains how Canadians can maintain provincial health coverage while travelling: time-away limits, when to file temporary-absence forms, keeping premiums paid and your address current, and what happens if coverage lapses. It also outlines when emergency travel insurance is recommended to fill gaps for out-of-province and out-of-country care.
Had a stent or heart bypass and planning a trip? This guide explains how Canadian travel insurance handles cardiac histories: typical 180–365-day stability periods, the common 10-year limit on coverage after surgery, when short trips (≤15 days, under age 75) can avoid questionnaires, and when you might choose a policy that excludes heart conditions but still covers other risks.
Filling out a medical questionnaire for seniors’ travel insurance? This guide covers nine essentials: keep a medical history log, read each question closely, count “as-needed” meds, understand why you take each drug, distinguish acute vs chronic conditions, avoid guessing, err on caution, pick simpler forms—and note that some plans let travellers under 75 take trips up to 15 days without a questionnaire.
Leaving Canada for more than six months or coming home after time abroad? This guide explains GHIP residency rules and waiting periods, how to request a waiver, when to buy long-term expatriate insurance, ways to extend foreign coverage, options for pre-existing conditions with short stability periods, and what to do if you must return before provincial coverage resumes.