Travel medical insurance covers emergency medical expenses incurred while travelling outside your home province or outside Canada. Provincial health plans provide limited or no coverage for medical care received outside Canada, and even out-of-province coverage within Canada may be limited. A medical emergency while travelling abroad without insurance can result in catastrophic costs — a single hospital stay in the United States can cost tens or hundreds of thousands of dollars. Travel medical insurance typically covers emergency hospitalization, physician services, ambulance transport, prescription medications, emergency dental treatment, and medical evacuation or repatriation. Coverage is available as a standalone policy or as a rider on an individual health plan. Pre-existing condition clauses vary widely between travel policies.