While travel insurance is not legally mandatory to enter the Schengen Area for Canadian citizens on short tourist stays under 90 days, it is strongly recommended by global health authorities and foreign affairs departments. Because Canada's public provincial health insurance plans (such as OHIP or MSP) provide virtually zero coverage for medical expenses incurred overseas, falling ill or suffering an injury in Europe can result in catastrophic out-of-pocket hospital bills. Comprehensive travel insurance protects against unexpected medical emergencies, trip interruptions, and baggage loss.
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