Describe the actual trip
Provide the destination, dates, travellers, residency and general activities. Ask whether the policy addresses emergency medical costs, cancellation, interruption, baggage or other needs.
Review eligibility and exclusions
Check age and residency conditions, duration limits, activities, destination restrictions, pre-existing condition wording and any stability requirements. The exact wording matters.
Know the assistance process
Keep the emergency assistance details accessible. Ask when approval is required, how to obtain help and which records to keep if something happens abroad.
Review changes before departure
A change in health, destination, duration or activities may require another conversation. Do not treat an enquiry or a payment receipt alone as confirmation of cover.
In Canada, ask about the rules and provider availability in your province or territory. Financial Consumer Agency of Canada · Life insurance ↗
In the United States, use a provider authorised for your state. Eligibility and policy terms can differ from Canadian examples. NAIC · U.S. consumer insurance resources ↗