Plan for the best. Prepare for the unexpected.Your medical insurance may not travel with you:
• When you leave Canada, even if it's only for a
few hours, you are leaving behind up to 90% of your government health insurance
plan (GHIP) coverage.
Travelling without emergency medical
travel insurance while outside of Canada can be an unexpected and costly
expense.
• Only a portion of your medical expenses are
covered by your GHIP when you leave your home province/territory and travel
domestically within Canada.
• Health Canada recommends Canadian travellers
purchase additional supplementary travel health insurance when travelling
outside of their home
province/territory.
• Medical costs outside of Canada can be very
expensive. Medical bills can easily and quickly add up. For example, United
States hospitals can charge over
$5,000 per day for in-patient care.
Group plans don't always provide adequate travel coverage:
• Group plans often do not provide trip
cancellation, trip interruption, or lost luggage coverage - and when these are
provided, coverage limits often do not
adequately cover your pre-paid trip costs.
• Group plans usually provide coverage for a
small portion of emergency medical expenses while travelling.
You can't rely on your credit card(s):
• Credit cards that offer travel insurance often
come with age limitations to those who qualify for coverage, and usually do not
provide coverage for trip
cancellation, trip interruption, and lost
luggage.
• Limits on coverage and travel duration must be
looked at closely as many credit cards will not adequately cover your trip
investment.
Assistance services are essential:
• You want a travel insurance provider who gives
you true 24/7 travel and emergency assistance services. Knowing you have help
while travelling, if the
unexpected happens, is invaluable
and provides you with peace of mind.
Protect your health, your family, and your trip investment.
