Travel insurance is intended to cover losses arising from sudden, unforeseeable circumstances while you are outside the province. Even if it is just a quick trip across the border for a couple of hours; accidents can happen. Hospital stays can reach as high as $10,000 a day depending on the care required. MSP only covers about $75 a day outside the province. An annual plan can be purchased to cover all your trips for the entire year and is often the most convenient and affordable approach.

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