Do I need Travel Insurance?
Travel insurance protects against unexpected expenses due to travel mishaps, illnesses or accidents
outside your home province. From the expense to rebook your flight, creature comforts during delays to
massive medical bills, travel insurance is there to keep you financially safe.
I have provincial healthcare, do I need travel insurance?
The healthcare coverage provided by your province is quite limited when it comes to supporting you
outside the province. Typically, you would only get reimbursed a small fraction of the cost of even a
quick visit to a doctor in the United States.
What is a deductible?
Deductibles are the amount you pay before your insurance responds. Larger deductibles provide larger
discounts.
What is a pre-existing medical condition?
A pre-existing medical condition refers to any diagnosis, illness, or medical condition that you have
before embarking on a trip. Travel insurance policies usually do not cover these conditions unless they
are stable. However, with Xodus' policies, you do not have to worry about stability periods. This is
because Xodus has a personalized process where you declare all of your pre-existing medical conditions.
What is a stability period?
Stability periods refer to the length of time before a scheduled travel departure during which any pre-
existing medical condition should not have been diagnosed, had a change in treatment, or worsened.
These periods may range from a few days to six months. However, Xodus' policies do not demand
stability periods due to the personalized approach we take during the application process.
When can I buy travel insurance?
You can buy travel insurance as soon as you confirm your travel plans, but before your trip starts. If you
want to extend your coverage while you are at your destination, you must purchase the additional
coverage before your current policy expires.
Are travel insurance policies tax deductible?
The medical portion of travel insurance policies is tax-deductible. Xodus includes the tax receipt for you
to keep for your records.
What is family coverage?
When you travel with your family, a family coverage policy can keep things simple. These policies cover
up to 10 children as well as parents or guardians.
I have an annual plan, can I stay longer than the days I purchased?
We refer to these as top-ups. Essentially, you can purchase an additional policy that will start after your
annual policy expires. This allows for seamless coverage during your longer trips, giving you peace of
mind.