Are you covered for medical emergencies in other provinces?
Posted 08-04-2015 at 07:13 AM by DavidRaonic
Many Canadians will venture outside their home province to visit other parts of the country this summer – and while insurance is seen as a must-have for international travel, it is often overlooked for shorter trips.
But make no mistake. No matter whether you're going to P.E.I. on a golf holiday, visiting family in B.C., or taking a quick trip to a neighbouring province, it is important to be prepared and protected for emergencies.
RSA, a leading insurer in Canada, offers some helpful reminders before you leave home:
Get the right coverage: Your provincial health insurance plan won't necessarily provide all the out-of-province coverage you might need should something unfortunate happen while you're away. While the cost of visiting a public hospital and seeing doctors would generally be covered by provincial health plans, many out-of-pocket medical expenses are not. Travel medical insurance can help cover emergency medical costs and incidental expenses that are not included under your provincial plan, including extra costs that may be needed to get you home.
Check with the appropriate government agency for what your provincial or territorial medical insurance covers when you are travelling within Canada, and supplement it with additional coverage as necessary.
You may also benefit from having trip cancellation and interruption insurance. Without it, a flight cancellation or an unexpected return home for an emergency in the middle of your trip could be costly.
Carry the right documents: Pack light, but be sure to take important information such as identification, your provincial health insurance card, and your travel insurance wallet card, which contains a number for 24/7 assistance should you ever need it. Take a list of emergency contact information of family or friends. Find a policy that suits your needs: If you travel more than once or twice during the year, look into a multi-trip annual travel insurance plan. Multi-trip plans can provide coverage for every trip you take, and save you the cost and hassle of shopping for and buying a single trip policy every time. Understand your policy: Whatever the destination, take some time before you travel to read over your insurance policy so that you understand the coverage it provides and what to do if you have a claim. If you have questions, talk to an experienced travel insurance expert for guidance.
But make no mistake. No matter whether you're going to P.E.I. on a golf holiday, visiting family in B.C., or taking a quick trip to a neighbouring province, it is important to be prepared and protected for emergencies.
RSA, a leading insurer in Canada, offers some helpful reminders before you leave home:
Get the right coverage: Your provincial health insurance plan won't necessarily provide all the out-of-province coverage you might need should something unfortunate happen while you're away. While the cost of visiting a public hospital and seeing doctors would generally be covered by provincial health plans, many out-of-pocket medical expenses are not. Travel medical insurance can help cover emergency medical costs and incidental expenses that are not included under your provincial plan, including extra costs that may be needed to get you home.
Check with the appropriate government agency for what your provincial or territorial medical insurance covers when you are travelling within Canada, and supplement it with additional coverage as necessary.
You may also benefit from having trip cancellation and interruption insurance. Without it, a flight cancellation or an unexpected return home for an emergency in the middle of your trip could be costly.
Carry the right documents: Pack light, but be sure to take important information such as identification, your provincial health insurance card, and your travel insurance wallet card, which contains a number for 24/7 assistance should you ever need it. Take a list of emergency contact information of family or friends. Find a policy that suits your needs: If you travel more than once or twice during the year, look into a multi-trip annual travel insurance plan. Multi-trip plans can provide coverage for every trip you take, and save you the cost and hassle of shopping for and buying a single trip policy every time. Understand your policy: Whatever the destination, take some time before you travel to read over your insurance policy so that you understand the coverage it provides and what to do if you have a claim. If you have questions, talk to an experienced travel insurance expert for guidance.
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