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How to choose travel coverage

How much travel coverage do I need?

Every trip is unique. Whether you’re taking a weekend getaway, visiting a sunny resort or trekking in a remote part of the world, you might be wondering what kind of coverage is best for you.

Here's a step-by-step guide to help you make an informed decision.

1Consider your trip factors

These are a few factors to think about when deciding on what travel insurance you need.


If your destination has a higher risk of bad weather or natural disasters, the likelihood of cancelling or postponing your trip may be higher. With Trip Cancellation or Interruption coverage, you will be reimbursed for prepaid non-refundable expenses, such as airfare or hotel deposits.

Trip length

A lot can happen if you’re taking a long trip. And the longer you’re away, the more likely something could happen. You might need medical care at some point or there could be a flight disruption if you’re travelling to multiple destinations.

Multiple trips

If you’re travelling more than once this year, consider a multi-trip plan to help you save on Emergency Medical Care.


Don’t choose a plan based solely on the lowest cost—make sure you’re getting adequate coverage at a price you’re comfortable with. Consider paying optional deductibles (the amount you pay if you make a claim) to help lower the cost of your plan.

Your belongings

If you’re packing valuables, like jewelry, electronics or equipment, you may want to add Baggage loss coverage in case your belongings are lost, stolen or damaged.

2Determine how much coverage you already have

Chances are you have some travel coverage—but it may come with a long list of restrictions based on age, trip length and pre-existing medical conditions.

Travel coverage through an existing health plan or credit card varies widely. Carefully review your coverage information to find out what’s included.

Credit card

Read the fine print in your policy. The number of days that are covered or your coverage amounts may be limited. Consider Top-Up Insurance to make sure you are fully covered.

Group or personal plan travel coverage

Some group plans may cover a small portion of emergency medical care or require a deductible.

Provincial coverage

Whether you travel within Canada or abroad, your Alberta Health Care insurance Plan (AHCIP) provides limited coverage. In some cases, you will need to pay upfront for services and submit a receipt for reimbursement. AHCIP does not cover major expenses like hospital transfers, ground or air ambulance and returning remains should you pass away while travelling.

3Choose your coverage

Alberta Blue Cross® offers comprehensive travel insurance. If there’s a gap in your existing coverage or a concern you’d like to cover for peace of mind, check out:

If you need help, let our experts help. Call toll free at 1-800-394-1965 to talk to our travel team about finding the right plan for you.

Get a quote

Finding the right coverage you need for your trip starts with a quote. Get started online or give our travel team a call. We are here to help you.