What expense is NOT covered by travel insurance when travelling outside Canada?

Travel insurance is designed primarily to cover unexpected emergencies and medical expenses incurred while traveling abroad. It typically includes coverage for unforeseen events but doesn’t extend to costs associated with pre-arranged medical procedures abroad. When a procedure is planned before the trip, it is not considered an emergency, and thus, travel insurance usually does not cover these costs.

In contrast, costs such as X-ray and other diagnostics, prescription drugs, and air ambulance transfers are often included in travel insurance policies since they are associated with unexpected medical situations that arise during travel. These types of expenses can be critical in providing necessary care in emergencies. However, planned procedures fall outside the scope of what travel insurance aims to protect against, as they are not linked to unforeseen medical circumstances.