Canadians are usually covered for medical
mishaps overseas by their provincial health
plans, while holders of official student/teacher/youth
cards are entitled to accident coverage and
hospital in-patient benefits. Students will
often find that their student health cover
extends during the vacations and for one term
beyond the date of last enrolment, while
homeowners' or renters' insurance often covers
theft or loss of documents, money and valuables
while overseas, though conditions and maximum
amounts vary.
After exhausting the possibilities above, you
might want to contact a specialist travel
insurance company; your travel agent can usually
recommend one. Policies are comprehensive, but
maximum payouts tend to be meagre. Most North
American travel policies apply only to items
lost, stolen or damaged while in the custody of
an identifiable, responsible third party - hotel
porter or airline, say, or luggage consignment.
Premiums vary, so shop around. The best deals
are usually through student/youth travel
agencies - ISIS policies, for example, cost
around $35 for a week depending on coverage; $55
for eight to fifteen days; $115 for a month; and
up to $730 for a year. If you're planning to do
any "dangerous sports", figure on a surcharge of
20-50 percent.
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