Many of us have moved beyond the dreaming phase and are fully engaged in planning our next trips. With so many details to consider, it’s easy to overlook a step or two. Booking flights, accommodations, car rentals, tours, and restaurant reservations may feel like second nature, but in the excitement, purchasing travel insurance might slip through the cracks.

From unique destinations like Spain to old favorites like the US, travellers heading to warmer climates during the Canadian winter should know that provincial healthcare doesn’t cover much when travelling outside of your home province. Rather than relying on credit card coverage, it’s important for travellers to purchase a comprehensive Emergency Medical Travel Insurance plan when abroad, especially in the US, where medical costs add up easily.

If you’ve got travel plans this fall or winter, now’s the perfect time to plan for your travel insurance purchase—particularly if you’re a mature traveller with a complex medical history.