If you ever fly outside of the country, MAKE sure you have medical insurance. But not flying within Canada.
Cancellation insurance I find a bit of a joke. I fly a couple of times a year. Cancellation insurance the last time I checked it was about 10% of the ticket cost. So, if I paid, after about 10 trips I have saved enough that it would cost less than cancellation insurance. I think I have saved about 5 or 10 round tickets. Plus, the terms to rebook aren't usually that bad. IF you have to cancel, you usually can upgrade the ticket and use it at a later time. I have never used the medical insurance either. (Even once when I should have used it.) But it is good to have and the costs of getting sick in a foreign country could be endless.
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