Travel insurance: emergency medical coverage and so much moreSubmitted by Aurora Financial Solutions Inc. on July 20th, 2016
You’ve planned your winter get-away – but sometimes things don’t go according to plan. A medical emergency in another country or province can make you wish you had stayed at home as the situation can turn into a financial – and emotional – nightmare.
But you can plan for the unexpected with comprehensive travel insurance.
Travel insurance is designed to cover you from losses arising from sudden and unforeseeable circumstances while travelling, such as the need for medical treatment in another province or a foreign country, including the cost of a hospital stay, doctors’ fees, lab tests and ambulance services.
Travel insurance may also help provide coverage for other expenses that you might not think of, until you need them.
Imagine driving to your vacation destination when an unexpected medical emergency arises and you are unable to drive home. What would you do? Travel insurance may cover the cost of returning your vehicle to your home in your province or territory of residence. Plus, it may cover the cost of necessary emergency air transportation to return you home.
Travelling alone? If you are hospitalized for an extended period of time, travel insurance may provide coverage for someone to fly to your bedside, along with any out-of-pocket expenses for meals and accommodations.
It’s also important to have support when it comes to dealing with doctors, foreign languages, unfamiliar medical terminology and more. When you’re shopping for travel insurance, make sure your provider offers toll free support 24/7.
Although you may have travel insurance coverage through your credit card or your employer or association plan, be sure to check what is – and isn’t – covered. You may want to top-up your coverage as your plan may not offer non-medical coverage which helps reimburse you for:
- Costs for cancelling your trip if something unexpected prevents you from departing,
- Costs for interrupting a trip that has already begun, and
- Buying necessities if your luggage is delayed.
Comprehensive travel insurance may provide options such as single or family coverage, coverage for a short trip or an extended stay, and coverage for travelling internationally or simply out of province within Canada.
Let’s talk about Travel insurance and how it all adds up to coverage that lets you enjoy your get-away worry-free.