Spring Break, boozy parties, and travel insurance: what you need to know

But what does travel insurance cover?

That’s a very good question. Medical insurance convers emergencies. As a university or Cegep student who’s healthy and in your prime in your 20s, you’re pretty much invincible and don’t need insurance, right? Wrong. In fact, nearly one-third of travel insurance claims are made by people under 30. An Annual Plan can also be a good idea if you’re planning more travel throughout the year.

Tip: Read your insurance policy carefully before you leave to make sure you understand the exclusions. For instance, certain injuries or treatments related to extreme sports (even parasailing offered by the hotel) or alcohol or drug abuse might not be covered. Break a leg because you got drunk and fell off a balcony? Your recklessness might not be covered—and could really cost you.

Keep a copy of your passport, proof of insurance, and emergency contact number (that handy little card in your wallet) or a photo of your documents on your smartphone. It’s also a good idea to give copies to your relatives or friends back home, as well as those travelling with you (at the very least, you’ll want to give each other your insurance numbers).

Alcohol and travel

Whether you’re in Florida or some other getaway destination, you must comply with local laws regarding alcohol and drugs. In the United States, for example, the age to buy and drink alcohol (or even have it in your possession) is 21. You will not be served alcohol without a valid ID: passport or driver’s licence.

Did you know?

Alcohol can pack a much bigger punch in the air. And it’s easy to get dehydrated when drinking alcohol on hot, sunny days.

Drugs abroad

Although cannabis is legal in Canada (starting at age 21 in Quebec), remember that it is illegal to cross borders with cannabis in your possession. You could face criminal charges.

Social media and cellular data on vacation

Whether to avoid alerting potential thieves that you’re away or to keep your social media profile squeaky clean (should a future employer look you up online, for example), it’s better not to post wasted photos of yourself on Facebook or Instagram. And don’t make the mistake of using your phone as if you’re at home. It could really cost you! Also remember to check your coverage in the event your electronic device is lost or stolen.

Notify Canadian authorities of your departure

The Canadian government offers a free traveller registration service. In the event of a natural disaster, attack, or emergency affecting your loved ones here at home, authorities will know where to reach you with important information or assistance.  You can register for any travel, whether you’re just popping over to Maine for some shopping, flying south for a week, or taking a two-month trip through Asia.