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ARTICLE · 27 JUNE 2025

Travel Insurance And Alcohol: What Every Canadian Needs To Know

Wallace Smith LLP
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For many Canadians, vacation time means escaping the cold, and for some, that also means enjoying a drink or two.

CanadaLitigation, Mediation & Arbitration
Brian Smith
Brian Smith

For many Canadians, vacation time means escaping the cold, and for some, that also means enjoying a drink or two. If you plan on drinking during your travels, it'simportant to know how alcohol could impactyour travel insurance coverage.

How Alcohol Affects Travel Insurance Coverage

ManyCanadiansbuy travel insurance, either on their own, through a benefits plan, or by relyingon what'soffered by their credit cards. However, if you have alcohol in your system when a medical emergency occurs, your insurance might not cover you.

Most travel insurance policies include some form of alcohol-related exclusion, but the specifics can vary.The strictest policies remove coverage if your Blood Alcohol Content (BAC)exceeds a certain threshold, even if alcoholwasn'tthe cause of your injury.

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