Costs related to unexpected emergency medical treatment can potentially be very high when travelling, even if you stay within Canada.
A standard emergency medical travel insurance plan will help close the gaps in your provincial health insurance plan, including coverage for ground and air ambulance, prescriptions, and treatment for certain dental emergencies.
When shopping for insurance coverage, ask the following questions and always make sure to purchase travel insurance from a trusted insurance provider such as Allianz Global Assistance.
- Is there an age limit to apply for travel medical insurance?
- Does age affect the kind of coverage I can expect?
- What will the full travel health package cost?
- Can my trip be cancelled because of a pre-existing illness?
- Will the insurance company pay the hospital/doctor directly if I need to seek treatment?
- Do I have to phone the insurance company to gain approval before I can see a doctor?
- Will I have to pay for treatment and then provide proof with receipts once I’m home?
- Am I required to see only pre-selected hospitals or doctors for care?
Things travellers need to consider:
- Check out what the plan covers as well as the benefits, and understand what the insurance contract does and doesn’t cover.
- Compare the coverage limitations such as the maximum amount to be paid out for each benefit.
- Make sure to disclose any pre-existing illnesses and any medication used in addition to any change in your condition or medication prior to departure.
- Be aware of any COVID-19 restrictions and quarantine requirements for your destination. Read more about any ongoing restrictions by visiting provincial and territorial restrictions.