If you're a Canadian planning to travel, it's crucial to have travel insurance to protect yourself against unexpected events like medical emergencies, trip cancellations, or lost luggage. Many insurance providers offer comprehensive travel insurance plans tailored to Canadian travelers.

When choosing travel insurance, consider factors like the duration of your trip, destinations you're visiting, activities you'll be engaging in, and any pre-existing medical conditions you may have. Some insurance plans may have specific coverage exclusions or limitations, so it's essential to read the policy details carefully to ensure it meets your needs.

Typically, travel insurance coverage includes:

1. Emergency Medical Coverage: This covers expenses related to medical emergencies while you're traveling, including hospital stays, doctor's visits, and emergency medical evacuation.

2. Trip Cancellation or Interruption: This reimburses you for prepaid, non-refundable trip expenses if you have to cancel or cut short your trip due to covered reasons such as illness, injury, or death of a family member.

3. Baggage Loss or Delay: This provides coverage for lost, stolen, or delayed baggage, including reimbursement for essential items you may need to purchase while waiting for your luggage.

4. Travel Assistance Services: Many travel insurance plans offer 24/7 assistance services for emergencies, such as medical referrals, legal assistance, or help with lost documents.

5. Flight Delay or Missed Connection: This covers additional expenses incurred due to flight delays or missed connections, such as accommodation or meals.

It's advisable to purchase travel insurance as soon as you book your trip to ensure you're covered for any unforeseen circumstances that may arise before or during your travels. Additionally, consider purchasing a policy with a sufficient coverage limit to adequately protect you and your belongings.

Before purchasing travel insurance, compare quotes and coverage options from different providers to find the best policy for your needs and budget. And always remember to disclose any pre-existing medical conditions or risky activities you plan to undertake during your trip to ensure you're adequately covered.