Susan Postma

Manitobans are still eager to travel, but how and where they’re going is changing, and so are the risks they may not see coming. New survey findings released as part of CAA Manitoba’s Travel Wise Week show a clear shift toward staying closer to home. Sixty per cent of Manitobans prefer travelling within Canada, while just 20 per cent are planning a trip to the United States.  Global uncertainty, rising costs, and changing perceptions about international destinations are influencing those decisions. “We’re seeing more Manitobans choosing Canada because it feels familiar and safe,” said Susan Postma, Regional Manager, CAA Manitoba. “But that sense of comfort can lead people to underestimate the financial risks that can still come with travelling, even within our own borders.” Staying in Canada and Leaving Coverage Behind While Canadians feel confident travelling within their own country, many assume “home turf” means low risk. This misconception leaves millions exposed to unexpected costs when trips don’t go as planned. The survey found that 64 per cent of Canadians did not have travel insurance for their most recent trip within Canada. Provincial health coverage often provides only limited protection when travelling outside your home province, and in some cases, does not cover services such as air ambulances, extended hospital stays, or trip interruption costs. Recent media stories have highlighted Canadians facing unexpected medical bills, emergency transportation costs, or sudden trip changes, all during trips that never left the country. “People are often surprised to learn how quickly expenses can add up if something goes wrong,” says Postma. “A simple injury on a hiking trail or a family emergency back home can turn a short trip into a major financial stress.” With recent geopolitical incidents in Cuba, Mexico and the Middle East, CAA’s Travel Wise Campaign is focused on helping Canadians understand risk, avoid misinformation, and make decisions grounded in facts rather than fear or speculation. Here are some tips:  Understand what an “avoid non-essential travel” advisory really means: Travel advisories reflect real-time safety risks, and an “avoid non-essential travel” signal indicates rapidly changing conditions that may change quickly, and support may be limited.  Know that advisories can affect your insurance and your exit options: Travelling against government advice can limit your travel insurance, including medical care or emergency evacuation. Coverage must be in place before conditions deteriorate.  Flexibility is essential; review cancellation and change policies now: Travellers should proactively confirm cancellation deadlines, refund eligibility, rebooking options for all reservations and understand the limits of credit card protections, employee benefits, and pension coverage benefits.   Stay connected to Canada while abroad: Canadians should monitor official updates from Global Affairs Canada and register with the Registration of Canadians Abroad service before departure or while on location if something arises.  Rely on reputable sources and be cautious of misinformation online: Canadians should rely on official government sources, established travel organizations, and verified news outlets for travel guidance.  Additionally, the CAA Air Passenger Help Guide helps you understand your rights when faced with common flight disruptions, such as delayed or cancelled flights or lost bags. The guide can be found at CAA.ca/AirPassengerHelpGuide. For more information on travel insurance and how to stay protected, visit www.caamanitoba.com/travelwise The online survey was conducted by DIG Insights from September 29 – October 8, 2025, with 2,0210 Canadian travellers aged 25 to 64 who have travelled outside their province of residence in the past three years and plan to travel again in the next five years, out of which 137 travellers were from Manitoba or Saskatchewan. Based on the sample size of n=2,021 and with a confidence level of 95%, the margin of error for this research is +/2%.) 

School will soon be out for the summer, and many young families are opting to explore the beauty of their own country, travelling to top destinations like Toronto, Vancouver, and Halifax rather than heading south. While many travellers prioritize insurance for international trips, a recent CAA survey found that many people overlook the necessity of travel insurance for domestic travel, often assuming provincial healthcare will have them covered. "Exploring Canada’s breathtaking landscapes is an adventure worth taking, but unexpected travel hiccups don’t stop at the border,” says Susan Postma, regional manager, CAA Manitoba. “Whether it’s a sudden medical emergency or trip disruptions, having the right travel insurance ensures you can focus on making memories." A new national travel survey conducted for CAA reveals that nearly four in ten Canadians (39 per cent) travelled outside their home province without any form of travel insurance during their last trip. Some believed it was unnecessary (45 per cent), others worried about the cost (22 per cent), and 19 per cent took their chances, hoping nothing would go wrong. The reality? Provincial health insurance programs typically cover only basic emergency medical services when travelling in another province. “Many Canadians assume they’re fully protected when travelling within the country, but that’s simply not the case,” says Postma “A minor mishap can become a major expense, whether a broken ankle on a hike or a last-minute interruption.” Here are two unexpected ways travel insurance can help: You break your ankle while hiking on one of Canada’s beautiful nature trails and now need an ambulance or an airlift, crutches, and medication. You’re on vacation but must return unexpectedly because someone at home gets seriously ill. In stressful situations, like when a family member falls ill, it helps to have support when you need it. Trip Cancellation Insurance would cover the flight change fee and help get you back home. According to Orion Travel Insurance, part of the CAA family, the average medical claim cost has risen by 15 per cent annually since 2019, with everything from ear infections to air ambulance services becoming significantly more expensive. Here are ten additional tips to help your trip go smoothly, no matter where you travel. Know the cancellation policies and check limits or restrictions for everything you booked. Make sure you understand any key dates related to cancellations or changes. This includes accommodation, flights, car rentals, tours, and cruises. Check limits or restrictions on credit cards, employee benefits, and pensions to determine if you need additional travel insurance coverage.   Make sure all your documentation is in order before you book. It is recommended that passport renewals be completed six months before your planned trip. Your passport should still be valid six months after your travel date, as this is required in several countries.  There are varying documentation requirements, so make sure you fully understand what information you need to have ready and in what format.  Read up on Government of Canada travel advisories for your destination. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. Individual travel advisories remain on a country-by-country basis. It is important that Ontarians/Manitobans understand the ongoing uncertainty associated with international travel.  Speak with your physician to discuss your travel plans. It is important that you speak to your physician to ensure you are up to date with needed travel vaccines and have them prescribe enough medication for the length of your trip. Ensure all the medication you take is packed in your carry-on and in its original bottles with labels intact.    Consider purchasing travel insurance at the time of booking your trip. To lock in the best protection, book your travel insurance at the same time you book your trip. Booking Trip Cancellation or Interruption insurance will give you peace of mind that you and your investment are protected. Insurance must be in place before things go wrong for you to benefit from coverage.   Get to the airport early. The old standby of being at the airport one hour before takeoff for domestic flights and two hours before international flights no longer apply. CAA recommends arriving at the airport at least two hours before domestic flight departures and at least three for international flights.  Stay connected. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website before departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad and stay in touch with a family or friend who knows your travel plans. Find these and more information at caamanitoba.com/travelwise Note emergency contact numbers. Provide your travel agent with contact details while travelling abroad and keep all important phone numbers handy; this includes how to call for help and your travel insurance assistance phone number. It is also a good idea to keep a physical copy of all their reservation information and leave those details with a friend or family member.     Protect your ID. Ensure you have a digital and paper version of your Travel insurance wallet card, tickets to various events and attractions, and even your passport. You may also want to leave a copy of the necessary paperwork with family members or friends.  Pack your carry-on wisely. Include the most important items, such as your passport/ID, boarding pass, travel itinerary, wallet, phone, charger, medications, toiletries, glasses/contacts, noise-canceling headphones, book/e-reader, snacks, empty water bottle, travel pillow, change of clothes, sweater, socks, pen, and reusable bags, in your carry-on bag. For more information on travel insurance and how to stay protected, visit caamanitoba.com/travelwise Based on the sample size of n=2,005 and with a confidence level of 95%, the margin of error for this research is +/2%.)

A recent member survey conducted by CAA Manitoba has unveiled concerning statistics regarding the lack of travel insurance awareness and preparedness. Despite the financial risks associated with travelling unprotected, the survey found that 38 per cent of members in Manitoba who travel don’t always purchase emergency medical travel insurance, highlighting a potential vulnerability. "In a world of uncertainties, our survey highlights a critical gap in travel preparedness among Manitobans," says Susan Postma, regional manager, CAA Manitoba. "At CAA, we believe in empowering travellers with knowledge so they can explore confidently and securely." The survey also discovered that almost a quarter of respondents (24 per cent) ventured on their last trip outside the province without any form of travel insurance, exposing themselves to potential financial burdens in case of emergencies. CAA Manitoba is launching its inaugural CAA Travel Wise Week In response to these findings, CAA Manitoba is launching its inaugural CAA Travel Wise Week to emphasize the crucial importance of travel insurance education. The campaign aims to inform and educate Manitobans on the risks of inadequate coverage and provide valuable insights into securing appropriate protection for their travel adventures. According to claims data from Orion Travel Insurance, the average cost of a medical claim has increased by 14 per cent since 2019. “Costs associated with everything from an ear infection to the use of an air ambulance have risen over the last few years due to medical inflation, underscoring the continued importance of travel insurance for life’s unexpected complications,” says Postma. As part of the CAA Travel Wise Week, CAA Manitoba has curated a list of the top ten tips to help individuals stay protected against common travel concerns: Top 10 Tips for Travel Protection: Make sure all your documentation is in order before you book. It is recommended passport renewals be completed six months before your planned trip. Your passport should still be valid six months after your travel date, as this is required in several countries. Read up on Government of Canada travel advisories for your destination. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. Individual travel advisories remain on a country-by-country basis. Speak with your physician to discuss your travel plans. Speak to your physician to ensure you are up to date with needed travel vaccines and have them prescribe enough medication for the length of your trip. Ensure all the medication you take is packed in your carry-on and in its original bottles with labels intact. Consider purchasing travel insurance at the time of booking your trip. To lock in the best protection, book your travel insurance at the same time you book your trip. Doing so will give you the peace of mind that both you and your investment are protected. Insurance must be in place before things go wrong for you to benefit from coverage. Know the cancellation policies for everything you booked. Make sure you understand any key dates related to cancellation and changes, this includes accommodation, flights, car rentals, tours, cruises. Get to the airport early. CAA recommends arriving at the airport at least two hours before domestic flight departures and at least three for international flights. Check limits or restrictions. Travel insurance is often touted as a perk for certain credit cards but can be drastically limited to both benefits and the sum insured. Check limits or age restrictions on credit cards, employee benefits, and pensions to determine if you need additional travel insurance coverage. Stay connected. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website prior to departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad. Find these and more information at www.caamanitoba.com/travel Note emergency contact numbers. Provide your travel agent with contact details while travelling abroad and keep all important phone numbers handy; this includes how to call for help and your travel insurance assistance phone number. Protect your ID. Make sure you have a digital version and paper version of your travel insurance wallet card, tickets to various events and attractions and even your passport. You may also want to leave a copy of important paperwork with family members or friends. For more information, visit www.caamanitoba.com/travelwise The survey was an online quantitative survey done with the CAA Members Matter Panel in Manitoba between September 22 29, 2023. The margin of error for a sample of this size is plus or minus 4.0% at the 95% confidence level.