This depends on the circumstances of your trip.    If you’re driving in the U.S., it’s important to note that many states have lower minimum coverage thresholds than you’ll see in Canada. This means that if you get into an accident with an American driver, they may not have enough insurance coverage to pay you for damages.  This is where extra coverage will come in handy. To avoid unexpected expenses, talk to your broker or insurance provider about short-term, add-on options before you leave for your trip.