While travelling outside your own province, some medical and paramedical expenses may only be partially covered by your provincial health insurance program. Depending on your needs, you can opt for coverage on a daily or annual basis. Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.
What travel health insurance should cover?
No matter where you are travelling, there are 3 things your travel health insurance policy should always cover.
1. Medical evacuation
Make sure your policy covers medical evacuation to Canada or to the nearest place with appropriate medical care. The policy should also cover the costs of a medical escort to travel with you t
2. Preo your final destination.
-existing medical conditions
Ask the company to explain the definition of, and the limitations and restrictions on, any pre-existing conditions and tests and treatments you may have had.
Make sure you get a written agreement that your insurance covers your pre-existing medical condition, or you could find your claim “null and void” under a pre-existing condition clause.
The agreement must also include a stability clause that says that if you are to be covered for any pre-existing medical conditions:
you must have no changes to your medical condition you must have no new medical conditions, symptoms or medications during the stability period before your trip.
The agreement should include:
a compassion clause saying that an inaccurate statement may not invalidate the entire policy, and a change of health clause.
3. Repatriation in case of death
Make sure that the plan covers the preparation and return of your remains to Canada.