Which statement regarding Coverage F - Voluntary Medical Payments is false?

The statement regarding Coverage F - Voluntary Medical Payments that is considered false is about the coverage for medical payments incurred by an insured while traveling outside Canada. This coverage is generally designed to address medical expenses arising from accidents involving third parties rather than for injuries sustained by the insured themselves while traveling. While certain insurance products may offer international coverage, standard Coverage F typically focuses on medical payments to third parties and does not extend to personal medical expenses incurred by the insured overseas.

The other statements are accurate. There is no requirement to prove negligence on the part of the insured before medical expenses can be paid for an injured third party, reflecting the policy's intention to provide prompt assistance to those in need of medical care, regardless of fault. Additionally, the payment for medical expenses is generally capped at one year from the date of the accident, aligning with the time-sensitive nature of medical claims. Furthermore, this coverage is intended to provide assistance regardless of whether the injured third party has other health insurance, enabling quicker access to medical care without the burden of establishing fault or available coverage under another policy.