Answer these questions accurately when filling out your travel insurance form. Incorrect or incomplete answers are the #1 reason claims get denied.
Print Your Checklist (Click Here)
Gather All Information First
Check Off Each Item with a Pencil
Be Thorough and Honest
Keep for Your Records
Important: This checklist is designed to help you provide complete and accurate information. Using it can significantly reduce the risk of having your claim denied due to incomplete or incorrect answers.
What is your exact date of birth?
Why it matters: Age affects coverage and premiums. Incorrect age can void your policy.
Double-check: Match passport exactly • Enter correct day/month/year format (Canadian standard)
What is your province or territory of residence?
Why it matters: Provincial/territorial health plans affect coverage. Must be resident for required period (often 6+ months). Travel insurance coordinates with your provincial plan.
Include: Province/Territory • Valid health card number • How long you've been a resident • Confirm your provincial health plan is active
What are your exact travel dates?
Why it matters: Coverage only applies during policy dates. Claims outside these dates are denied.
Include: Departure date from Canada • Return date to Canada • Add buffer days if uncertain
What is the total trip cost in Canadian dollars?
Why it matters: Affects trip cancellation coverage limits. Under-reporting means partial reimbursement.
Include ALL: Flights • Hotels • Tours • Cruises • Pre-paid activities • Non-refundable deposits
⚠️ #1 REASON FOR CLAIM DENIALS - Answer Honestly!
Do you have any pre-existing medical conditions?
Why it matters: Undisclosed conditions = automatic claim denial. Insurance companies WILL check your medical records.
YOU MUST DISCLOSE:
⚠️ If unsure, DISCLOSE IT. Better safe than denied!
What medications are you currently taking?
Why it matters: Medications indicate conditions. Claiming you have no conditions while taking heart meds = fraud.
List ALL prescription medications: Drug name • Dosage • What condition it treats • How long you've been taking it
Have you had any medical treatment in the last 6-12 months?
Why it matters: Recent treatment = unstable condition. Must be disclosed even if "feeling fine now."
Include: Hospital stays • ER visits • New diagnoses • Medication changes • Tests ordered by doctor
Are you covered by a provincial health plan?
Why it matters: Most travel insurance requires valid provincial coverage. Coverage gaps = claim denials.
Confirm: Health card is current • No lapsed coverage • Met residency requirements
When did you make your first trip payment/deposit?
Why it matters: Most policies must be purchased within 7-14 days of first deposit for full cancellation coverage.
Provide exact date: First flight booking • Initial hotel deposit • Cruise deposit
Will you participate in any adventure or extreme sports?
Why it matters: High-risk activities often excluded. Injury during undisclosed activity = claim denied.
Common activities requiring disclosure:
What countries/destinations will you visit?
Why it matters: Some destinations have travel advisories. Missing a country = no coverage there.
List ALL: Primary destination • Layover countries • Side trips • Check Government of Canada travel advisories
Who is your emergency contact in Canada?
Why it matters: Insurance needs to reach someone if you're incapacitated. Wrong number = delays in care.
Provide: Full name • Relationship • Home phone • Mobile phone • Email • Canadian address
Who is your beneficiary for life insurance benefits?
Why it matters: In case of death, benefits go to this person. Must match legal name exactly.
Provide: Full legal name • Date of birth • Relationship • Percentage of benefit
Insurance companies have access to medical databases, prescription records, and travel history. They WILL verify your answers when you file a claim.
Common reasons claims are DENIED:
When in doubt, disclose it. It's better to pay a slightly higher premium than have a $50,000 claim denied.
This checklist is provided for informational purposes only and does not constitute legal, medical, or insurance advice. GlobalTravel.tips is not responsible for denied claims or coverage gaps resulting from the use of this checklist.