Have questions? Contact us and we’ll be happy to answer them!
Q: I am a diabetic. Will I be covered if an emergency related to my condition arises?
A: Yes, you may be covered; however, your medical condition, among other things, must be stable. It’s best to contact a travel insurance representative, who can suggest the best coverage for you.
Q: I am expecting. If I go on a trip, will I be covered for pregnancy-related issues?
A: Yes, pregnancies are usually covered up to the 31st week; however, there may be conditions that affect coverage. Don’t take any chances. Cover all the bases with a travel insurance representative.
Q: I’ll be staying abroad for more than a year. Are there any special steps I should take to ensure I’m insured in the event of an emergency? A: Yes. You must inform your province’s health insurance board of your departure and obtain authorization to maintain coverage under your government health insurance plan. Your insurer will request a copy of the authorization letter before insuring you.Q: If I choose an annual insurance, must I contact my insurer every time I go on a trip in order to activate my insurance? A: No, you do not need to contact your insurer if your stay is not longer than the number of days covered per period. For example, if you have an annual 15-day insurance plan, you’ll be covered during one 15-day period at a time. If your stay is longer than 15 days, you MUST contact your travel insurance representative in order to extend coverage. Always make sure that any medical condition you have is stable for the required period of time prior to each departure.Q: Is travel insurance really necessary? Why?
A: Yes, travel insurance is essential as soon as you leave your province of residence, since your province’s health insurance plan reimburses only a portion of health care costs you incur outside your province. If you consult a health care professional for any reason whatsoever, you will be required to pay any costs incurred, which may be quite substantial.
Q: Must I insure my children during a trip or are they automatically covered by my insurance?
A: Yes, it’s very important to mention your children when purchasing travel insurance. Your children may be covered free of charge, but they must be listed on the insurance policy.
Q: My child is going on a school trip to the United States. Do I need to purchase medical insurance?
A: Yes, you must purchase medical insurance, because your province’s health insurance plan will reimburse you for only a portion of the health care costs if you file a claim. For more information on your province’s health insurance plan, visit your provincial government’s Web site.
Q: I would like to spend two months in Florida at my daughter’s and I’m 82. Am I eligible for medical insurance?
A: Yes, you could be eligible for travel insurance. However, some exclusions may apply due to your health and the stability of any medical condition you have. It’s best to contact a travel insurance representative, who will determine your profile and suggest the best possible coverage.
Q: My parents from China are coming to visit us. May I purchase medical insurance in their name?
A: Yes, there is such a thing as insurance for visitors to Canada. Coverage varies depending on your parents’ health and the overall stability of any medical conditions they have. Contact a travel insurance representative to get the facts and the best coverage possible for your parents.
Q: I have medical travel insurance through my group insurance plan, but I would like to insure my baggage. Can I purchase baggage insurance only?
A: Yes, you can purchase baggage insurance only, but it’s very costly. We suggest that you purchase a more affordable all-inclusive insurance plan that will give you more coverage, such as trip interruption, accidental death, loss or delayed delivery of baggage, in addition to trip cancellation (optional and offered upon request). To find out more about this insurance, contact a travel insurance representative.
