Don't Pack Without It! Whether you're
planning a trip or expecting visitors to Canada, it's
wise to obtain emergency travel coverage like Manulife
Financial Travel Insurance.
One-Line Travel Insurance
Sign-up here from
anywhere in Canada
or abroad!
Travelling Soon?
Expecting Visitors?
Choose
the plan that's right
for you....
Travel Health
Insurance - To Buy or Not to Buy?
If
you travel half way around the world or just to the next
province, you should be aware that not purchasing travel
health insurance could have a substantial burden on your
finances.
You may have insurance
coverage through your group plan, provincial coverage or
credit card coverage but it is wise to review the details
and extent of the coverage:
1) Provincial Health plans provide only limited coverage for
medical treatment and hospital costs outside Canada.
Depending on your province or territory of residence, daily
coverage could be capped at a maximum of just $150 to $400 a
day. Treatment in a hospital out-side of Canada could cost
thousands a day.
2) Provincial health plans are portable to all provinces and
territories but medical coverage can be limited when you
travel beyond your province or territory.
For instance, Quebec's out-of-province coverage is limited
to hospital costs and Ontario's does not generally cover
prescriptions.
3) Credit Cards often offer or include travel insurance
benefits. But they may have very low coverage limits and may
include restrictions on your age or any pre-existing medical
conditions
4) Your employer's group medical insurance plan may include
restrictions or limitations that could end up requiring you
to pay substantial medical bills out of your own pocket if
your costs exceed those limits.
5) The right travel health insurance plan can provide
economical, peace-of-mind protection when you're far from
home and need it most. Many plans also include access to
emergency travel assistance that can be an invaluable aid in
locating hospitals, clinics, physicians, legal assistance
and local interpreters as well as providing medical
evacuation, family member travel assistance or assistance
for unattended children.
If
you travel half way around the world or just to the next
province, you should be aware that not purchasing travel
health insurance could have a substantial burden on your
finances.
