Travel insurance policies covering trips to Canada can sometimes feature higher premium costs due to the exceptionally high baseline cost of emergency medical treatment, hospitalizations, and specialized health services across North American medical systems. Because foreign visitors lack access to Canada's public Medicare framework, private insurers carry the full financial risk of covering expensive emergency room care, diagnostic imaging, and medical evacuations. Furthermore, older travelers or individuals with pre-existing medical conditions face steeper underwriting risks, which drive up overall policy pricing.
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