许多加拿大人在国外面临巨额医疗账单,原因是旅行保险存在缺口,特别是事先存在的状况,尽管他们意识到费用高昂。 Many Canadians face massive medical bills abroad due to travel insurance gaps, especially for pre-existing conditions, despite awareness of high costs.

蓝十字调查发现,83%的加拿大人知道海外ER访问可能超过3,600美元,但许多人面临巨额医疗账单,原因是旅行保险存在缺口,特别是与先前存在的情况有关。 A Blue Cross survey finds 83% of Canadians know an overseas ER visit can exceed $3,600, yet many face huge medical bills due to gaps in travel insurance, especially related to pre-existing conditions. 当加拿大人把旅行计划从美国转移到加勒比、墨西哥、欧洲和亚洲等目的地时,专家们警告说,未披露的健康问题——如一名90岁妇女在佛罗里达心脏停跳后开出290 000美元的帐单——可能导致否认索赔。 As Canadians shift travel plans from the U.S. to destinations like the Caribbean, Mexico, Europe, and Asia, experts warn that undisclosed health issues—such as in a 90-year-old woman billed $290,000 after a cardiac arrest in Florida—can lead to denied claims. 尽管在旅行规划和保险比较方面越来越多地使用AI工具,但官员们强调,AI不能取代仔细的政策审查、全面披露医疗条件和与保险人进行旅行前磋商。 Despite rising use of AI tools for trip planning and insurance comparisons, officials stress that AI cannot replace careful policy review, full disclosure of medical conditions, and pre-travel consultation with insurers. 近一半的加拿大旅行者现在使用人工智能,但个人责任仍然是避免海外金融崩溃的关键。 Nearly half of Canadian travelers now use AI, but personal responsibility remains key to avoiding financial ruin abroad.