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As September approaches, many Canadians shift their focus to school schedules, shorter days, and cooler nights. But the risks of summer don’t disappear with the temperature change. The final stretch of the season still sees busy beaches, backyard fun, and road travel, making it just as important to stay alert and safety-conscious.

At HUB Customer Central, we’re reminding Canadians not to ease up on safety. With a few smart habits, you can enjoy everything summer has left to offer while keeping yourself, your family, and your property safe.

End-of-Summer Safety Reminders

Pool and Water Safety: Even as the days get shorter, pools, lakes, and beaches remain busy. Always keep a close eye on swimmers, especially children. Never leave kids unattended near water, and make sure life jackets are worn during boating or water activities.

Boating Safety: Although fewer boats are on the water, cooler weather and the potential for severe weather can still create hazardous conditions. Always check the forecast, wear a life jacket, and never operate a watercraft under the influence.

Drive Safe, Stay Sober: Summer long weekends and sunny days often mean more gatherings and parties. Make a plan for a designated driver, call a cab, or use a rideshare service. Impaired driving remains one of the top causes of serious collisions in Canada, and its consequences can last a lifetime.

Watch for Motorcycles: As drivers return to commuting routines, it’s easy to forget to double-check for motorcycles on the road. Stay alert, use your mirrors, and give riders plenty of space.

Stay Alert for Severe Weather: Late summer and early fall can bring unpredictable weather, from sudden thunderstorms to heavy rain, high winds, and even early frost. Keep an eye on local forecasts for severe weather alerts from Environment Canada to stay informed. If you’re planning outdoor activities, have a backup plan in case conditions change quickly.

Planning a quick getaway before summer ends?

Whether you're heading across the country or just over the border, don’t overlook emergency medical travel insurance. Many Canadians assume their provincial health coverage travels with them — but that’s only partially true. Once you leave your home province, you may not be fully covered for emergency care, hospital stays, or air ambulance services.

Even a short trip can lead to major out-of-pocket costs without the right coverage in place. Travel insurance can help cover:

• Emergency medical treatment
• Ambulance services
• Hospital stays
• Prescription medications
• Medical evacuation (air or land)

Include getting a medical emergency travel insurance quote in your getaway checklist.

Avoid Complacency

The end of the season can lull us into letting our guard down. From distracted driving and severe weather to skipping helmets or life jackets “just this once,” it’s not worth the risk. Keep practising the same safety habits you used at the start of summer; they still matter!

HUB SmartCoverage Tips to Stay Safe

• Keep your vehicle's emergency kit stocked, especially for late-summer road trips.
• Review your insurance policies: home, auto, cottage, or boat, to ensure you’re covered for the unexpected.
• Have an emergency plan for outings, especially around water or remote areas.
• Be aware of the potential for severe weather.

As you wrap up the summer season, be confident that your family is safe and protected, no matter where the season takes you.