When we retired, we joined our company retirement travel insurance provider. We've always read all the terms and conditions, and especially the items they don't cover. Fortunately we've never had to claim.
Travel Insurance doesn't cover any condition that is not deemed as stable three months (some are six months) before travel. It also says "any change in medication". You really need to read your travel insurance to see what it covers and what it excludes. Most travel insurance excludes "extreme sports" e.g. ATV's, Zip Lines, mountain climbing, hang gliding and so on. Always check your insurance before you book any of these activities.
If you are relying on your credit card for travel insurance, read it carefully! If you plan on travelling outside your province, you need travel insurance. When you leave your province, if you have a medical emergency, you may not have sufficient coverage!
This traveller called the insurance provider, who didn't give her the right information! You should understand your own policy!
