Travel insurance — 2026-2027

Decide on travel medical / trip insurance for the May 18 – June 7 Eurotrip B (21 days, Montréal-based, age 46).

Critical context:

• Current card: Scotia Momentum Visa Infinite — travel medical only covers first 15 days under 65 → DAYS 16–21 ARE UNCOVERED without action
• No FX-fee card yet (Momentum charges 2.5%)
• Multi-country: Spain (Palma) → Austria (Vienna) → Czechia (Prague) → Albania (Tirana)
• Includes one motorcycle day in Mallorca (May 22) — moto activities are a grey zone for most travel medical policies

Decisions to make:

1. Short-term single-trip top-up to cover days 16–21 (cheapest fix) OR
2. Full single-trip policy that covers all 21 days (replaces Momentum's medical entirely, simpler claims) OR
3. Annual multi-trip policy if more travel is planned in 2026

What to look for:

• Confirm coverage for recreational motorcycling (NOT racing/track)
• $1M+ emergency medical
• No pre-existing condition gotchas
• Spain, Austria, Czechia, Albania all in covered region
• Direct-billing to hospitals abroad (vs reimbursement-only)
• 24/7 multilingual assistance line

Providers to compare:

• Scotia Travel Insurance (extension to existing Momentum coverage — simplest)
• Manulife CoverMe Single-Trip
• Blue Cross Quebec
• SoNomad
• Allianz Global Assistance
• World Nomads (motorsports-friendly)
• RBC Insurance
• TuGo

Urgency: Departing May 18 — buy BEFORE leaving Canada (most policies require this).