HealthTravel

Canada Travel Insurance: What You Need To Know in 2022

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What do you need to know about Canada travel insurance? Do you need travel insurance coverage for trips outside Canada?

If you want to travel outside of Canada, even if it is only for a day to the United States, you should purchase travel health insurance before leaving.

If you’re flying, be sure you have any of these Canada travel insurance coverages like a trip interruption, luggage loss, and document replacement insurance. If you’re driving, ensure you’re covered for both the driver and the car in the event of an accident.

Why should you purchase Canada travel health insurance?

While you are outside of Canada, your Canadian health insurance may not cover your medical expenses.

Your provincial or territorial health plan may pay none or only a portion of the costs of medical care received outside of Canada. It will never pay your bills in full in advance.

Hospitals in other countries might be quite expensive and may ask for immediate payment in cash.

In certain countries, if you don’t have adequate insurance or money to cover your fees, hospitals and clinics will refuse to treat you

Your medical expenditures will not be paid by the Canadian government.

Where can you purchase travel insurance?

Canada travel insurance is available through your:

  • Travel Agent
  • Employer’s Insurance Provider
  • Insurance Broker
  • Credit card company

There are three things that your travel health insurance policy should always cover, regardless of where you are traveling.

1. Emergency Medical Evacuation

Check to see if your policy covers medical evacuation to Canada or a nearby location with adequate medical treatment. A medical escort to accompany you to your final destination should also be covered by the policy.

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2. Pre-existing medical conditions

Inquire about the definition of any pre-existing conditions, tests, or treatments you may have had, as well as the limitations and restrictions that come with them.

If you don’t have a written agreement from your travel insurance company that your pre-existing medical condition is covered, your claim could be considered “null and invalid” due to a pre-existing condition clause.

The agreement must also include a stability provision, which states that if you want to be covered for any pre-existing medical issues for a set length of time (the stability period), your medical condition must not change.

During the stability period leading up to your trip, you must not have any new medical issues, symptoms, or drugs.

A compassion clause should be included in the agreement, stating that an incorrect statement will not invalidate the entire insurance, as well as a change of health clause. If your pre-existing medical condition was taken into consideration while purchasing a policy yet your insurance provider refuses to pay the claim, read this article to learn what to do.

3. In the event of death Repatriation

  • Check to see if your plan includes the preparation and return of your remains to Canada.
  • You should be aware of what you’re purchasing.
  • Investigate your requirements thoroughly. Before you leave Canada, double-check your insurance policy’s terms, conditions, limitations, exclusions, and requirements.
  • You should ask a lot of questions when evaluating a Canada travel health insurance coverage.
  • Is there a deductible, and if so, what is the amount? 100% coverage plans are more expensive, but they may save you money in the long run.
  • Is the plan going to cover you for the duration of your trip as well as when you return?
  • Is there anything in the plan that excludes or severely limits coverage for specific places or countries you could visit?
  • Is it possible to get renewable coverage while traveling overseas and for the maximum amount of time?
  • Is there a 24-hour/7-day emergency contact number in English and/or translation services for health care practitioners in your destination country?
  • Is hospitalization for illness or injury, as well as related medical bills, covered at your destination?
  • Is it able to pay your debts or cash advances in advance so you don’t have to?

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Comply with the terms of your Canadian travel insurance policy

Comply with the terms of your Canadian travel insurance policy

It is your obligation to be aware of and comprehend your insurance policy’s terms. Read the fine print carefully and, if necessary, get assistance. Hire the services of a reliable travel insurance agent in Canada to advise you.

You must supply accurate and complete information. Contact the insurance company if you have any questions. Request that they clarify the situation in writing.

Before you go to the doctor, get consent from your insurance company. Routine health checkups, non-emergency care, and cosmetic surgery are rarely covered by travel health insurance. An independent insurance agent will do a perfect job on this.  It might not cover mental illnesses, drug or alcohol-related events, or extreme activities like bungee jumping or rock climbing.

Before leaving the nation where you had medical care, obtain a complete report and invoice from your doctor or hospital. Trying to obtain proper documentation from thousands of kilometers distant can be difficult.

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