How Much Emergency Medical Coverage Should You Buy?
Learn how to choose the right coverage amount based on destination, trip length, and medical risk
When you're planning a trip, deciding how much emergency medical insurance to carry might seem like a minor detail. But if an accident or illness strikes while you’re abroad, the difference between $100,000 and $1 million in coverage can be financially life-changing.
This becomes especially important when you travel to countries with expensive healthcare or limited public services. You might think about this the next time you're heading to the United States, taking an extended vacation, or travelling with a pre-existing condition.
What the Coverage Is Meant to Pay For
Emergency medical travel insurance covers sudden and unexpected illness or injury. Depending on the severity of the emergency, costs can include:
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Hospital stays and surgeries that may run tens of thousands per day in some countries
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Emergency room treatment and physician services
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Prescription medications or diagnostic tests
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Ambulance transport or air evacuation to bring you home
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Additional lodging or meals if a travel companion stays behind with you
Even a basic hospital visit for a broken arm in the U.S. can cost over $5,000. A serious condition requiring surgery or an intensive care unit stay can easily exceed $100,000.
How Much Coverage Do You Really Need?
There is no single answer, but most experts recommend a minimum of $1 million in emergency medical insurance for international travel. Here’s how to gauge your needs:
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Travelling within Canada
Provincial plans may cover most costs. A lower limit such as $100,000 may be sufficient as a safety net for extras like ambulance or air transport. -
Travelling to the United States
Due to high medical costs, you should aim for at least $1 million in coverage—preferably $2 million or more for longer trips or if you’re over 60. -
Travelling to other international destinations
For travel to Europe, Asia, or South America, $500,000 to $1 million is generally appropriate. Factor in the availability and quality of local healthcare. -
Travelling with pre-existing conditions
You may need more coverage or a plan that includes enhanced protection. Consider how likely you are to require hospital care or prescription drugs.
| Travel Scenario | Recommended Medical Coverage Limit |
|---|---|
| Short trip within Canada | $100,000 to $300,000 |
| 10-day vacation to the U.S. | $1 million or more |
| Extended travel to Europe or Asia | $500,000 to $1 million |
| Travelling with chronic health concerns | $1 million or more |
Tip: Some credit cards include emergency medical coverage, but the limit is often under $100,000 and the coverage duration may be restricted. Always check the fine print.
Other Factors to Consider
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Trip duration
The longer you’re away, the greater your risk of needing medical attention. Ensure your policy’s coverage limit and trip length align. -
Your age and health status
Older travelers or those with medical histories are more likely to need care. Choose a higher limit and disclose any pre-existing conditions to avoid claim issues. -
Destination infrastructure
In remote or less developed regions, you may need costly medical evacuation. A higher policy limit helps ensure you can be transferred to a hospital with appropriate care.
Choosing the right amount of emergency medical coverage isn’t about being overly cautious—it’s about being prepared. A well-chosen policy provides peace of mind that, no matter where you are, your health won’t become a financial burden.