As parts of the world begin to again welcome travelers, many Canadians are starting to book trips outside of their home province. It’s more important now than ever to understand the facts about emergency travel medical insurance.
There are many misconceptions about our provincial health insurance while traveling outside of your province. The fact is, Health Canada advises obtaining medical insurance:
“Your provincial or territorial health plan may cover nothing or only a very small portion of the costs if you get sick or are injured while abroad.”
Your provincial health plan only covers a small fraction of out-of-province medical expenses. Furthermore, Health Canada recommends:
“If you plan to go abroad, even on a day trip to the United States, you should purchase the best travel insurance you can afford before you leave Canada. Your travel insurance should include health, life and disability coverage that will help you avoid large expenses, such as the cost of hospitalization or medical treatment outside Canada.”
Do you have travel insurance through your through your employer-sponsored benefits plan or your credit card? Health Canada says:
“Your credit card company may offer health and travel insurance, but don’t assume that coverage is automatically included or that the card alone provides adequate coverage. Some companies charge an additional premium for travel coverage. Others require that you use their card to pay for your travel arrangements. Verify the conditions, limitations and requirements before departure.”
Lastly, Health Canada advises the following:
“It is your responsibility to know and understand the terms of your insurance policy. Read the fine print carefully and ask for help, if necessary, to fully understand the eligibility requirements and definitions, terms, conditions, limitations and exclusions of the policy.”
That’s why choosing an insurance broker who is well-versed in travel medical insurance will benefit you the most. Our insurance professionals at EasyInsure are able to determine your needs, help you choose a plan, clearly outline exactly what your coverage entails and provide you with the necessary actions in the event of a claim while traveling.