If you are taking a trip look at insuring your medical risk

December 1, 2015

These insurance plans can offer emergency medical protection for visitors, immigrants, foreign students and residents who are not covered by government health insurance. Visiting guests can be covered by valid medical health insurance which begins upon arrival here insofar as it is bought ahead of travel.

Emergency medical expenses

While travelling outside your country, some expenses may be partially covered by your government health insurance. These plans offer options for both daily or annual coverage, which is great if you travel to the warmer climates in the winter or travel year-round.

Travelling outside of his or her country, an insured individual can be covered by emergency insurance which pays for expenses related to an emergency medical condition (covered by some of these plans, depending on your historic health). These expenses may be a hospital stay, prescription drugs, ambulance transportation, etc. Please refer to the policy for more details. Make sure that you discuss the coverages with your advisor prior to heading off on your trip.

Coverage can include these expenses:

  • Bedside companion travel and sustenance allowance
  • Ambulance transportation
  • Diagnostic (X-ray, lab tests)
  • Hospital (semi-private room)
  • Flight and travel accident coverage
  • Prescription drugs
  • Physician or surgeon
  • Return transportation to location of travel departure if emergency medical attention is needed
  • Emergency dental treatment by a licenced dentist and associated cost of prescription drugs while the insured is travelling
  • Accidental injury, dismemberment, or death by accident where the accident occurred during travel
  • Loss/damage of baggage and personal effects
  • Trip cancellation and interruption

Note: Refer to the policy which may vary.

 

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