We highly recommends having a travel insurance policy that covers:
-> Loss of and/or damage to luggage
-> Medical insurance
-> Cancellation and Curtailment
-> Loss of money (cash), travellers cheques or personal belongings
If you are participating in winter sports than your travel insurance covers this also. If you are bringing along expensive items such as jewelry or photographic equipment, check the value per item is covered by your travel insurance. If the coverage for these items is minimal you may wish to take out extra coverage on these items.
Travel insurance in Canada provide the following type policies :
Trip cancellation insurance.
Lost luggage during travel and stay away from home.
Accident insurance during travel and stay away from home.
Health insurance during travel and stay away from home.
Trip interruption insurance and
For single return trips there's a whole string of insurance benefits, such as:
Free insurance for children
Insurance covering baggage
Medical Emergency Repatriation and Medical Expenses
This insurance also covers adventure sports pursuits in Canada.