If you’re planning a road trip somewhere south of the border this summer, there are some things to keep in mind before loading up the car and heading out on the road. While it may not always be the first thing that crosses our minds, illnesses and accidents can happen quickly and, when out of the country, the expenses related to such unfortunate occurrences can pile up just as quickly.

Even something as simple as a minor fender-bender could lead to a brief hospital visit, which — without adequate travel insurance — could become quite expensive. Many Canadians travel to the U.S. under the mistaken assumption that their provincial government or employee health plans cover everything. All too often, unfortunately, that turns out not to be the case.

Expenses such as prescription drugs, air ambulance service, X-rays and other costly procedures may not be covered by your plan when you’re outside Manitoba — even if you’re still in Canada. Therefore, if you’re planning a summer vacation this year, it’s probably a good idea to include purchasing travel insurance as part of your trip. It’s also a good idea to carry proof of that travel insurance with you, along with the name and phone number of the insurance provider. You may also want to leave a copy of the details with a neighbour or close relative, just in case you lose your copy.

With travel insurance in place to cover any unforeseen illnesses, you’ll be able to relax, rest easy and enjoy your summer getaway.