Why is it important to have travel insurance in Canada?
An unexpected medical emergency may happen at any point during your trip, and there is nothing scarier than having your health threatened (especially if you don’t have sufficient funds to cover the problem), so you should make sure you have coverage if you're planning a trip abroad.
Let's say that you break your leg while traveling in another province or country. You'll need to cover the cost of your hospital stay (and other medical bills) because your provincial healthcare plan won't be fully available to you. Travelling Canadian’s Insurance is a good plan to help cover this downfall for Canadian residents.
As an example, a broker bone in the US could cost a travelling Canadian upwards of twenty-five thousand for basic medical care! And this is just enough attention to get you comfortably back on Canadian soil so you can use your MSP plan.
But what if you are a newcomer? If this is the case and you're visiting family or friends or taking a once-in-a-lifetime vacation (or waiting for your provincial healthcare plan to take effect) then be safe and get visitors to Canada travel insurance before landing in Canada.
Did you know that an appendicitis attack could cost for a visitor (without a government plan) upwards of ten-thousand dollars in medical bills! Again, this is just basic care without surgeries or specialists.
What are the common coverages for travel insurance?
Emergency medical costs, trip interruption, trip cancellation, baggage loss, accidental death, and dismemberment and more.
Is Covid-19 covered for Visitors to Canada Insurance?
Most of the carriers may cover Covid-19 for visitors, as long you comply with the government rules at the time, but it is always good to confirm with your broker before the purchase. Each insurance carrier has different rules so make sure to read the wordings, exclusions and waiting period.
Is Covid-19 covered for Travelling Canadians Insurance?
Some carriers may ask you to confirm full-vaccination to have Covid-19 coverage included, if you are not vaccinated, you still can have coverage by adding an extra covid protection. It is important to speak with your broker and make sure to read the wordings, exclusions and waiting period.
Are Pre-existing conditions covered under a travel insurance policy?
Speak with you broker regarding a stable pre-existing condition. Each carrier has different rules based on age, stability of your health, and type of pre-existing issue. You may find a customized coverage for your needs.
At Alteri you can buy your travel insurance online by clicking here or by speaking with an agent now.