Travel Insurance

Travel Insurance

While you’re never required to buy travel insurance, it’s a good idea to get one. The last thing you want to see is thousands of dollars in non-refundable medical expenses incurred in case of a medical emergency while travelling out of your home province because of an unforeseen event. These may include emergency hospital/medical costs, lost baggage, flight delays, accidental death etc.

If you plan to travel outside your province ‒ even for a day – you should buy the best travel health insurance you can afford before you leave.

Why should you buy Travel health insurance:

  • Your provincial health insurance may not pay your medical bills while you are outside your province of residence, even within Canada
  • Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front
  • Foreign hospitals can be very expensive and may require immediate cash payment
  • In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills

When assessing a travel health insurance plan, you should check:

  • Is there a deductible, and how much is it? Plans with 100-percent coverage are more expensive but may save money in the long run.
  • Does the plan provide continuous coverage for the length of your stay abroad and after you return?
  • Does the plan exclude or greatly limit coverage for certain regions or countries you may visit?
  • Does it offer coverage that is renewable from abroad and for the maximum period of stay?
  • Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
  • Does it pay for hospitalization for illness or injury and related medical costs at your destination?
  • Does it pay your bills or cash advances up front, so you don’t have to pay them?

To know more about a suitable plan for you and your family, Call us at 604-495-9090  or  Send a message for a call back.