Travel insurance myths and facts

Myth 1 – RAMQ covers me anywhere in Canada

False. The Régie de l’assurance maladie du Québec (RAMQ) does not reimburse the full cost of medical services received outside Quebec. Some medical costs, such as ambulance transport, are not covered by the provincial health insurance plan.

If it’s not covered in Quebec, it won’t be covered elsewhere in Canada either. And if costs are higher in other provinces or territories, you’ll have to pay the difference—unless you have travel insurance for travel within Canada. 

Myth 2 – I’m already covered by my credit card travel insurance

True, but … travel insurance linked to credit cards often comes with limitations (duration, age, conditions), for the cardholder or their travel companion. Before you leave, review the included coverage and assess whether supplemental insurance is needed. 

Myth 3 – A pre-existing medical condition is very expensive to insure

False. Many insurers cover pre-existing conditions if they have been stable (typically between 3 and 12 months). A condition that is under control does not automatically result in a higher premium. A knowledgeable insurer will be flexible and offer products to meet a range of needs. 

Myth 4 – My doctor said I was fine, so I’m covered for my condition

False. Insurers apply their own criteria. Even a stable condition must be eligible under your policy and must be declared. You must always inform your insurer of your health status, including conditions that are under control.

Myth 5 – I can cancel my trip for any reason

False. Trip cancellation must be tied to a serious, unforeseeable event beyond your control that is listed in your insurance contract.

Good to know: The travel insurance offered by CAA-Quebec includes a “cancel for any reason” option if the booking is made within 72 hours of booking your trip. Ask us for details! 

Myth 6 – I can travel to a war zone because I’m insured

False. War is generally excluded from insurance policies, as the instability often makes it impossible for the insurer to arrange care and repatriation. Furthermore, if a government advisory recommends avoiding all travel (level 3 or 4), your coverage will not apply. The risk is then considered known and foreseeable. 

Myth 7 – Trip interruption insurance applies even on a road trip

True. Even by car, an unexpected event can force you to return home quickly. Trip interruption insurance can cover the emergency purchase of a plane ticket, or the return of your vehicle if you’re unable to drive it. 

Myth 8 – My travel insurance covers me for all sports

False. Extreme sports or high-risk sports (mountaineering, skydiving, hang gliding, etc.) are often excluded from insurance policies. 

Some activities may be covered under certain conditions. For example, scuba diving may be covered when taken as part of a course taught by an instructor or institution recognized by the insurer. Always check your coverage and exclusions before you leave. 

Myth 9 – Insurance is useless if a condition isn’t covered

False. Even with an exclusion, insurance remains useful for other situations: accidents, falls, illness, or injury unrelated to a pre-existing condition. You retain coverage for many unexpected events.

Myth 10 – My medical insurance covers my flights if I need to delay my return due to a health issue

False. Emergency medical insurance covers urgent care and certain transport (ambulance, repatriation). However, costs related to a flight change are generally covered by trip interruption insurance. 

Myth 11 – You don’t need insurance for a short trip to the United States

False. Healthcare in the United States is very expensive. RAMQ only reimburses a portion of care received outside Canada. The exchange rate also reduces the real value of your coverage in Canadian dollars. 

Travel insurance coverage is therefore essential even for a day of shopping, a show, or a sporting event. 

Myth 12 – Travel insurance doesn’t cover pregnant women

False. An ongoing, uncomplicated pregnancy at the time of purchase is generally covered up to approximately 31 or 32 weeks. Check with your airline as well. 

Myth 13 – Alcohol-related injuries are covered by insurance

False. Significant coverage limitations apply in cases of alcohol, drug, or medication abuse. You could find yourself without any compensation in the event of an accident under these conditions. 

Comparing travel insurance plans: A must

The scope of coverage, limits, and amounts vary greatly from one insurer to another. Some policies include, for example, living expenses for your loved ones, the return of your vehicle, certain specific types of care, or even childcare. That’s why it’s essential to shop around and compare your options—so you can choose and buy a travel insurance plan that fits your needs.