• Explain why provincial health insurance is not a substitute for travel medical coverage, and the typical limit range.
• List eligible expenses under emergency travel medical and identify air ambulance / repatriation as the single most expensive benefit.
• Define a stability clause and explain how a recent medication change defeats coverage.
• Distinguish trip cancellation (before departure) from trip interruption (after departure); name covered reasons.
• Identify baggage and personal effects, baggage delay, and flight AD&D coverages and their triggers.
• Explain why age bands and a medical questionnaire are central to travel insurance underwriting.
• Recite the standard exclusions (stability, substance abuse, high risk, against medical advice, travel advisory, late pregnancy, war/terrorism).
• Coordinate travel medical with provincial health, employer group benefits, credit-card travel insurance, and home contents off-premises coverage.