Generally, emergency travel medical insurance covers sudden, unforeseeable sickness or injury that happens during a trip — hospital stays, physician care, ambulance transport, emergency dental treatment from an accident, and medical evacuation home. It is not meant to cover routine, elective, or ongoing care, or anything related to a condition you already knew about, unless a pre-existing condition provision applies.

TIS coverage: All three TIS plans (A La Carte, Travel Health Medical Plan, and Travel Health Medical Plan No Pre-Ex) provide up to $5,000,000 CAD in emergency medical coverage, including emergency medical services (with COVID-19 coverage), physician care, hospital room costs (semi-private), ambulance transport, medical equipment rental, emergency paramedical services ($250 per practitioner), emergency dental due to an accidental blow to the mouth ($2,000) or dental pain relief ($300), vehicle return ($2,500), emergency evacuation/repatriation, a subsistence allowance ($1,500), bedside companion travel, expenses related to death ($5,000), and a Major Event Return Home benefit ($3,000).

Most travel medical insurers set a maximum issue age, often somewhere between 79 and the mid-90s, and coverage details and pricing typically change with age brackets.

TIS coverage: TIS Single Trip plans are available up to age 94 (must be under 95). Annual Multi-Trip plans have lower age cutoffs depending on the plan tier and number of days chosen (for example, THMP Plan 5 Annual Multi-Trip options cut off as low as age 77).

Provincial/territorial health plans (GHIPs) provide little to no coverage outside Canada, and what they do cover is usually a small fraction of actual foreign hospital costs — a short hospital stay abroad, particularly in the U.S., can run into the tens or hundreds of thousands of dollars. Private travel medical insurance is designed to cover that gap.

TIS coverage: TIS requires that you be a permanent resident of Canada and covered under a Government Health Insurance Plan (GHIP) for out-of-Canada expenses to be eligible. If your GHIP does not reimburse out-of-Canada expenses, TIS charges a US$260 GHIP Replacement Cost in the event of a hospitalization or ER claim, in addition to your deductible.

This depends on destination and health profile — U.S. hospital care in particular can be extremely expensive, so many advisors recommend $1–2 million minimum, with $5 million or more increasingly common for older travellers.

TIS coverage: All TIS plans provide up to $5,000,000 CAD per person, per claim.

Typically yes, when it’s arranged and approved in advance by the insurer’s assistance team — this is one of the most important and expensive potential benefits, since evacuation can cost tens of thousands of dollars on its own.

TIS coverage: TIS covers Emergency Evacuation & Repatriation as an “eligible expenses” benefit (no fixed dollar cap) when authorized in advance — including economy/charter airfare, stretcher fares, a medical attendant’s fare, air ambulance costs, or a travel companion’s extra fare, via the most cost-effective itinerary.

A single-trip plan covers one specific trip with a defined start and end date. An annual/multi-trip plan covers an unlimited number of trips over a year, each up to a maximum number of consecutive days.

TIS coverage: TIS offers both. The Single Trip Plan covers one trip outside Canada for eligible persons under age 95. The Annual Multi-Trip Plan covers unlimited trips of up to 8, 16, 32, or 62 consecutive days (subject to age limits per plan tier), plus unlimited coverage days for travel within Canada but outside your home province.

Many standalone travel medical plans focus only on medical expenses and don’t include trip cancellation/interruption coverage — that’s often a separate policy or rider. Always check what’s actually bundled in.

TIS coverage: TIS’s core plans are emergency medical policies. They do include cancellation and early-return premium refunds if you don’t depart or return home early (subject to conditions), and several “return home” style benefits triggered by a medical emergency (Vehicle Return, Emergency Return Home, Major Event Return Home, Bedside Companion Travel). They are not full trip-cancellation/interruption policies covering non-medical reasons like a cancelled tour.

Yes — many insurers offer coverage for pre-existing conditions, typically contingent on the condition being “stable” for a defined period before departure, disclosed accurately, and priced accordingly. Some insurers exclude pre-existing conditions altogether in exchange for a lower premium.

TIS coverage: TIS offers two ways to cover stable pre-existing conditions — the Travel Health Medical Plan (THMP), which pools risk across plan tiers (Plan 1 through Plan 5) based on your health questionnaire, and A La Carte, which prices your premium individually based on your specific conditions. TIS also offers a Travel Health Medical Plan – No Pre-Ex option that excludes pre-existing condition coverage entirely for a lower premium. TIS’s online quote tool shows rates for both pre-existing-condition-covering plans side by side.

Insurers generally define it as any medical condition for which you’ve received treatment, taken medication, or had symptoms before your departure date — not just conditions formally diagnosed.

TIS coverage: TIS policy wording defines a pre-existing condition as “a medical condition (other than a minor ailment) for which treatment has been taken or received, or which exhibited symptoms prior to any departure date,” including a medically recognized complication or recurrence. A “minor ailment” (a short-term viral/bacterial infection not needing hospitalization or more than one follow-up visit) is treated as stable and doesn’t count against you.

A stability period is the length of time before your trip during which your pre-existing condition must have remained unchanged — no new symptoms, no medication changes, no hospitalization — for the condition to be covered if it flares up during your trip.

TIS coverage: TIS’s THMP and A La Carte plans use a 90 or 180-day stability period, depending on the plan you qualify for. If you qualify for the 180-day period, you can “buy down” to a 90-day period. TIS defines “stable” precisely: no worsening, no medication or dosage change (including new prescriptions), no test results indicating deterioration, no physician recommendation of surgery, and no change in treatment during the required window. Switching from a brand-name to generic version of the same medication, or standard dosage adjustments for insulin, Coumadin, Warfarin, Pradaxa/Pradax, or Dabigatran, do not count as a change.

Yes, typically. Insurers ask detailed health questions and price premiums based on your specific conditions, medications, and how recently you were treated.

TIS coverage: Under THMP, your answers to a tiered health questionnaire place you into Plan 1 (lowest risk) through Plan 5 (highest risk) — for example, needing 3+ blood pressure medications or having type 2 diabetes can move you into Plan 2, while a heart condition, stroke history, or peripheral vascular disease can move you into Plan 4 or 5. Under A La Carte, you pay individually based on the specific conditions you disclose rather than a pooled tier.

This is one of the most important things to understand: if your health status changes before departure in a way that would affect your eligibility, your plan tier, or the stability of a pre-existing condition, most insurers require you to notify them — failing to do so can void coverage.

TIS coverage: TIS policy wording is explicit: any change in your health status before your departure date that affects your eligibility, plan qualification, or the stability of a pre-existing condition is a “material change” that you must report to TIS immediately at 1-800-563-0314. Failure to do so will result in any related claim being denied, and coverage may be voided entirely.

Yes. Under-disclosure is one of the most common reasons travel insurance claims get denied. Insurers will review medical records at claim time, and inaccurate answers can void the policy.

TIS coverage: TIS explicitly states you’re responsible for submitting accurate information, and that your medical history is reviewed if you make a claim. If information given on the health questionnaire (“Option Worksheet”) was false, incorrect, incomplete, or misleading, TIS will void coverage and refund your premium rather than pay a claim — meaning you’d be left with no coverage at all at the point you need it most.

Typically, the claim tied to that condition will be denied, and depending on the insurer’s findings, the entire policy could be voided — leaving you responsible for the full cost of care.

TIS coverage: TIS will void the policy and refund the premium if non-disclosure or misrepresentation is discovered, whether during underwriting or after a claim. TIS also has the right to recover from you any amount it already paid to a medical provider on your behalf if a claim is later found invalid.

It depends heavily on what the hospitalization was for and how recent it was. Most insurers have a set of “hard stop” conditions (recent stroke, cardiac events, cancer treatment, terminal diagnosis) that make someone ineligible for coverage altogether, regardless of price.

TIS coverage: Across all three TIS plans, you are not eligible for coverage at all if, in the past 6 months, you’ve been hospitalized 24+ hours for a stroke/TIA, heart condition, blood clots, or lung condition; received treatment for metastatic cancer; been diagnosed with or treated for a terminal illness; used home oxygen for a lung condition; or required dialysis. Additional permanent exclusions apply for things like an unrepaired aneurysm, ALS diagnosis, or being medically advised not to travel. These eligibility rules apply the same way whether or not you’re seeking pre-existing condition coverage.

Age-related risk (higher likelihood of a medical event) is the primary driver, along with the higher prevalence of pre-existing conditions in older travellers and the higher cost of care abroad relative to what’s medically “typical” for the traveller’s age group.

TIS coverage: TIS prices are affected by age, trip length, deductible chosen, and — if you’re insuring pre-existing conditions — your plan tier (THMP) or specific conditions (A La Carte). Choosing the No Pre-Ex plan, a higher deductible, or a shorter stability-period buy-down can all reduce cost, but each comes with a coverage trade-off.

Comparing multiple insurers, choosing a higher deductible if you can absorb some out-of-pocket risk, and being precise (not over-declaring or under-declaring) about your actual health conditions are the main levers.

TIS coverage: TIS lets you adjust your deductible from the US$50 standard down to $0 or up to US$10,000 to manage premium cost, and offers the option to “buy down” your pre-existing condition stability period from 180 to 90 days, or to 30 days for certain non-cardiac/non-lung medication changes. TIS’s online quote tool shows rates for both pre-existing-condition-covering plans (THMP and A La Carte) so you can compare which is cheaper for your specific health profile.

Credit card travel insurance often has lower coverage maximums, stricter pre-existing condition stability requirements (sometimes as short as 7-30 days, or none at all), age cut-offs that reduce or eliminate coverage after a certain age, and requirements that the trip be paid for on that specific card. It’s worth reading the certificate of insurance carefully rather than assuming it’s sufficient.

TIS coverage: TIS explicitly supports being used as top-up insurance to extend coverage you already have — such as a credit card or employer plan. If you have other insurance for the same period, TIS’s policy is always the secondary payor.

Raising your deductible is usually the main way to lower premium without touching your actual benefit maximums, since you’re only changing the amount you pay out-of-pocket before the insurer’s coverage kicks in.

TIS coverage: TIS deductible options range from $0 to US$10,000 (US$50 is standard) — the $5,000,000 CAD coverage maximum stays the same regardless of deductible chosen.

Yes, strongly recommended — the U.S. has some of the highest healthcare costs in the world, and Canadian provincial health plans reimburse only a small portion of U.S. medical bills.

TIS coverage: TIS’s emergency assistance line for the U.S. is 1-888-694-8888; for Canada and the rest of the world, 905-830-4003 (collect). TIS coverage applies “anywhere in the world” including the U.S., except in regions under a Government of Canada travel advisory against all travel.

Costs vary widely, but a multi-day hospital stay, especially involving intensive care or surgery, can easily reach tens or hundreds of thousands of dollars — it’s worth checking current sources for specific figures rather than relying on older estimates.

TIS coverage: This is precisely the exposure TIS’s $5,000,000 CAD emergency medical maximum is designed to cover.

Cruise itineraries can raise unique issues — onboard medical facilities are typically limited and expensive, and evacuation logistics from a ship at sea are more complex, so it’s worth confirming a policy specifically covers onboard/at-sea emergencies and evacuation.

TIS coverage: TIS’s policy wording does not carve out a separate cruise-specific benefit or exclusion — cruise travel is assessed under the same emergency medical, ambulance, and evacuation/repatriation benefits as any other trip outside Canada, subject to the same terms and exclusions. If cruising is a major part of your travel, confirm these details directly with TIS before you go.

Snowbird trips are typically long (weeks to months), so insurers may require an annual multi-trip plan or a longer single-trip policy, and the pre-existing condition stability period matters more given the length of exposure.

TIS coverage: TIS’s Annual Multi-Trip Plan covers unlimited trips of a chosen consecutive-day length (8, 16, 32, or 62 days) over a year — well suited to snowbirds with a home base who make repeated trips south. TIS also allows purchasing additional coverage if you want to exceed your chosen number of consecutive days on a given trip. TIS has been serving Canadian snowbirds for over 35 years.

Contact your insurer’s 24/7 emergency assistance line as soon as possible, ideally before or immediately after seeking treatment — most policies require notification within a set window (often 24-48 hours) or apply a financial penalty.

TIS coverage: TIS requires you to call 1-888-694-8888 (U.S.A.) or 905-830-4003 (Canada/rest of world, collect) within 24 hours of any medical or dental treatment. Failing to do so triggers a “managed care penalty” — you become responsible for 50% of gross eligible expenses, and TIS’s maximum liability drops to $25,000 for that claim. If your condition prevents you from calling, you or someone on your behalf must call as soon as medically possible.

You’ll typically need to request a claim form, submit original itemized receipts/invoices, and provide documentation within a set deadline after your emergency ends.

TIS coverage: Call 1-866-209-0112 (Canada/U.S.A.) or 905-830-9629 (collect, elsewhere) for a claim form. Claims must be submitted within 90 days from the date of loss (with some flexibility up to 1 year if 90 days wasn’t reasonably possible).

Original, itemized receipts and invoices for all medical expenses, proof of travel dates, and any documentation supporting the circumstances of your claim.

TIS coverage: TIS requires original, itemized receipts or invoices for all claims, and for Annual Multi-Trip claims specifically, proof of your departure date from Canada.

This depends on the provider and the insurer’s relationship with them — many travel insurers offer direct billing where possible but reserve the right to reimburse you instead.

TIS coverage: TIS states payment to a medical provider is “at our option.” Where possible, TIS pays medical bills directly to the hospital/provider; where it doesn’t or the provider won’t accept direct payment, you’ll be reimbursed upon submitting a valid original receipt.

It’s a dedicated phone line, staffed around the clock, meant to authorize emergency treatment, coordinate with hospitals, and arrange things like evacuation — using it (rather than just paying out of pocket and filing later) is often required for full coverage.

TIS coverage: TIS’s emergency assistance line handles authorization for hospitalization, ambulance service, and Emergency Assistance Services in advance — TIS’s policy wording states that without prior notification or authorization, no benefit is payable for these services. Claims are handled by TIS’s Canadian case management team in Newmarket, Ontario.

Coverage typically starts at a specific time on your chosen effective date and ends on your expiry date or your return date, whichever comes first.

TIS coverage: TIS Single Trip coverage begins at 12:01 AM on your policy effective date and ends at 11:59 PM on your policy expiry date, or the date you return to Canada, whichever is earlier.

Usually yes, if requested before the policy expires and no claim has occurred — but it’s not guaranteed and typically requires contacting the insurer directly rather than being automatic.

TIS coverage: TIS allows extensions if your policy hasn’t expired and you haven’t had a claim; the policy wording recommends arranging this at least 10 days before expiry. Conditions include remaining eligible for coverage, no claim reported/pending, and no known medical issue likely to need treatment during the extension. TIS also provides an automatic extension (no added premium) if you’re hospitalized abroad on your expiry date, or your flight home is delayed due to weather or mechanical failure (72 hours).

Common exclusions across the industry include unstable pre-existing conditions, non-emergency/elective care, high-risk activities (skydiving, unsupervised scuba diving, motor racing), travel against medical advice, pregnancy/childbirth-related care, and travel to regions under a government advisory.

TIS coverage: TIS’s policies list 30 specific exclusions, including: unstable pre-existing conditions outside the applicable stability period; travel contrary to medical advice; ongoing/follow-up or rehabilitative care after discharge; cardiac procedures like bypass or angioplasty unless pre-approved; organ/cornea/bone marrow transplants; pregnancy and childbirth complications; HIV/AIDS and STDs; high-risk activities (mountain climbing, skydiving, motor racing, unsupervised scuba diving); self-inflicted injury or alcohol-related illness; and travel to a destination under a Government of Canada advisory against all travel.

Most insurers offer a short “free look” period (often 10 days) to review and cancel for a full refund if you haven’t departed, plus limited refund options if you cancel or return early before your coverage ends.

TIS coverage: TIS gives you 10 days to examine your policy and cancel for a full refund if you haven’t yet departed. TIS also accepts early-return or non-departure refund requests by phone, mail, or email, subject to conditions — a $20 per-person fee applies, proof of your Canada entry/return date is required, and refunds aren’t available on the Annual Multi-Trip Plan or on an extension purchased after departure.

Emergencies aren’t correlated with trip length — a short trip carries the same potential exposure to a costly medical event as a long one, so most advisors recommend coverage regardless of duration.

TIS coverage: TIS’s Single Trip Plan can be purchased for any trip length and, per its rate structure, is priced by “day bands,” so short trips are typically inexpensive relative to the protection provided.

Visitor-to-Canada insurance covers non-residents (or returning permanent residents/new immigrants without active provincial coverage) for emergencies within Canada, while outbound travel insurance covers Canadian residents with active provincial health coverage for emergencies outside Canada. Eligibility rules, GHIP-related provisions, and underwriting are structured differently for each.

TIS coverage: TIS’s A La Carte, THMP, and THMP No Pre-Ex plans described here are for Canadian residents travelling outside Canada, and require you to be a permanent resident of Canada covered under a GHIP. This is distinct from any visitor-to-Canada product, which is underwritten and structured differently.

Compare: coverage maximum, deductible options, pre-existing condition terms (stability period length and buy-down options), age eligibility, exclusions, 24/7 assistance availability, and whether the underwriter/administrator has a track record with older travellers.

TIS coverage: TIS’s three-plan structure (No Pre-Ex, THMP, A La Carte) is designed specifically to let you compare the trade-off between premium and pre-existing condition coverage side by side using the same underwriter (Industrial Alliance Insurance and Financial Services Inc.) and the same $5,000,000 coverage maximum.

At minimum: What’s the coverage maximum? What’s my deductible? Is my pre-existing condition covered, and under what stability period? What’s excluded? How do I reach the insurer in an emergency, and what happens if I don’t call in time? What’s the cancellation/refund policy?

TIS coverage: All of these are answered directly in TIS’s policy wordings and Schedule of Benefits, summarized throughout this FAQ.

The condition itself, and anything a claims assessor determines is related to it, simply won’t be covered — you’d be personally responsible for the full cost of any care connected to that condition, even though you’re still insured for genuinely new, unrelated emergencies.

TIS coverage: TIS’s No Pre-Ex plan states plainly, in bold, on the policy cover page: “Pre-existing conditions are not covered under this policy.” Exclusion #1 in that policy denies any claim from “any pre-existing condition(s) or medical condition(s) that exhibited signs or symptoms prior to the departure date of the policy” — with no stability period or buy-down option available, unlike TIS’s other two plans.

Yes. A no-pre-ex exclusion is not about whether the condition is currently well controlled — it’s about whether the condition existed and had symptoms or treatment before you left. Being stable only matters under a policy that specifically covers pre-existing conditions with a stability-period provision.

TIS coverage: TIS’s No Pre-Ex exclusion applies regardless of stability — there’s no “stable for 90/180 days” carve-out on this plan the way there is on THMP and A La Carte. A well-managed condition, even one that hasn’t caused any issue in years, would still fall under the exclusion if it emerged during your trip.

Insurers typically review your medical records, both from the trip and from before it, at the time of a claim, comparing the treating physician’s diagnosis against your prior medical history to determine whether the emergency is connected to a condition that pre-dated your trip.

TIS coverage: TIS’s policy wording states that “in the event of an emergency, your medical history will be reviewed when a claim is reported,” and that the existence of a medical condition for claims purposes is established using your physician’s records, which you’re required to grant TIS access to.

It’s possible if a claims assessor determines a medical link between the new event and a past condition — for example, a fall connected to dizziness from an existing inner-ear or blood-pressure issue could be scrutinized more closely than a clean accidental injury.

TIS coverage: TIS’s exclusion language covers claims “arising from or related to” a pre-existing condition, so the relatedness determination is made by TIS/the claims administrator based on medical evidence, not by the traveller in advance. This is a reason to be cautious about how confident you are that a condition is truly unrelated before choosing a no-pre-ex policy.

Yes — without coverage for that specific claim, the traveller (or their estate/family) is generally responsible for the full cost of care, which, especially in the U.S., can be catastrophic.

TIS coverage: TIS does not pay any benefit for a claim falling under Exclusion #1 (pre-existing/symptomatic conditions) on the No Pre-Ex plan — the full expense would fall to the traveller, subject to whatever the provincial GHIP separately reimburses (which is typically minimal outside Canada).

It can be, in narrow cases — for example, if your only conditions are ones you’re confident are unrelated to any plausible emergency, or if covering them elsewhere (like a group/retiree plan) already provides that protection. It is generally not advisable as a way to save money while still having meaningful exposure from an active condition.

TIS coverage: TIS itself frames the No Pre-Ex plan as being for people who are “comfortable excluding coverage of any medical emergencies related to pre-existing conditions” in exchange for a lower premium — implying it’s intended for travellers without a meaningful pre-existing condition, not as a workaround for travellers who have one.

Rather than dropping to a no-pre-ex policy, consider raising your deductible, buying down your stability period (if eligible), comparing quotes across pre-existing-condition-covering products, or using a shorter/more targeted trip length — all of which can lower cost while keeping the condition itself covered.

TIS coverage: TIS lets you adjust the deductible ($0 to US$10,000) and, where eligible, buy down the stability period from 180 to 90 days (or 90 to 30 days for certain non-cardiac/lung medication changes) on both THMP and A La Carte — both are ways to reduce premium without giving up pre-existing condition coverage entirely.

It varies a lot by country, but “cheaper than the U.S.” doesn’t mean cheap. In Mexico and the Dominican Republic, private hospitals that cater to tourists (as opposed to the local public system) often charge international-visitor rates and commonly require a deposit or payment guarantee before treating someone without proof of insurance. In Western Europe, including Portugal, costs are generally lower than the U.S. but still substantial for surgery, a multi-day admission, or specialist care — and as a non-resident you’re typically billed as a private-pay patient regardless of the country having its own public healthcare system.

TIS coverage: TIS’s $5,000,000 CAD coverage maximum and benefit schedule are the same worldwide (Mexico, the Caribbean, Europe, anywhere) — the only geographic carve-out is destinations under a Government of Canada travel advisory against all travel, which void coverage entirely regardless of the reason for the advisory.

Yes, and this is easy to overlook when comparing destinations by general cost of living. Evacuation cost is driven mainly by distance from a suitable facility and logistics — chartering an aircraft, medical escorts, stretcher configuration — not by local hospital prices. A medical evacuation from a rural part of Mexico, a Caribbean island, a Portuguese island like Madeira or the Azores, or a cruise ship at sea can run tens of thousands of dollars even where routine care is cheap, simply because you’re paying for the aircraft and crew, not the hospital bill.

TIS coverage: TIS covers Emergency Evacuation & Repatriation as an eligible-expenses benefit with no fixed dollar cap, when arranged or authorized by TIS in advance — economy/charter airfare, stretcher fares, a medical attendant’s return fare, air ambulance (jet or propeller) costs, or a travel companion’s extra fare, whichever combination is most cost-effective for your situation. This is one of the more important reasons to carry adequate coverage even to destinations that otherwise feel low-risk or inexpensive.

Generally yes. Socialized healthcare systems are built to cover residents and citizens, not foreign visitors — as a Canadian tourist you’re typically billed as a private, out-of-pocket patient even in a country with excellent public healthcare for its own residents. Some countries (much of the Schengen area, for instance) even require proof of travel medical insurance as a condition of entry for certain visa types. Reciprocal healthcare agreements some countries maintain are often narrow — they may cover acute treatment but not medical evacuation, repatriation, or your provincial health plan doesn’t apply outside Canada at all.

TIS coverage: TIS’s policies apply anywhere in the world, including Europe, except in a region under a Government of Canada travel advisory against all travel — so a trip to Portugal or elsewhere in the EU is covered on the same terms as any other destination.

Yes, most travel insurers exclude or restrict coverage for certain higher-risk recreational activities — commonly motorized two-wheeled vehicles (motorcycles, scooters, mopeds), organized motor sports, technical/extreme sports (skydiving, bungee jumping, unsupervised technical climbing), and unlicensed scuba diving. Ordinary walking, day hiking, and casual cycling on a bike path or road are typically treated as normal travel activities and are not usually excluded, unless the terrain requires specialized climbing equipment or the activity is organized/professional/motorized.

TIS coverage: TIS’s policy excludes claims arising from: rock or mountain climbing (defined in the policy as requiring specialized equipment like pick-axes, crampons, or carabiners); parasailing, zip-lining, hang-gliding, parachuting, bungee jumping, or skydiving; motor sport or motor racing; driving or being a passenger on a motorcycle, motorized scooter, or moped; professional participation in an organized sport; and scuba diving unless you hold an open water diving certificate. Casual hiking and non-motorized cycling are not named in TIS’s exclusion list, so they’re treated as ordinary travel activity — but it’s worth confirming directly with TIS if your trip involves a strenuous mountain route or technical terrain that could be characterized as mountain climbing.

This is worth checking closely, because many policies exclude both roles, and rental scooters/mopeds are extremely common in resort areas across Mexico, the Caribbean, Southeast Asia, and Mediterranean destinations.

TIS coverage: TIS’s exclusion applies to “driving or being a passenger on a motorcycle, motorized scooter or moped” — both roles are excluded, regardless of whether you were the one operating the vehicle. This applies even to short resort-to-resort scooter taxi rides, so it’s worth arranging alternate transportation if you want this risk covered.

Insurers commonly draw a line between scuba diving (which requires training/certification and carries decompression-related risk) and snorkeling (surface-level, no specialized certification), covering the latter but restricting the former.

TIS coverage: TIS excludes scuba diving claims unless you hold an open water diving certificate — certified diving within the limits of that certification is not excluded on this basis. Snorkeling is not named in TIS’s exclusion list.