Do I Need Travel Insurance?
The short answer is yes, you should get travel insurance, especially emergency medical travel insurance.
When you're in Canada, your provincial health coverage looks after medical and hospital expenses. Because of this, Canadians rarely (if ever) see a hospital bill. As Canadians, our excellent health care coverage often means that medical insurance is something that Canadians don't think about very often, since we rarely see the actual costs of medical care.
When we travel outside of Canada (or even our home province), our provincial health care coverage can be limited. Only a fraction of medical of the cost of medical expenses may be covered if you're sick or injured out of country.