Travel Insurance
Travel Insurance
Travel insurance can include trip cancellation, lost baggage, emergency medical treatment, and accidental death insurance.
If you have group health insurance, it may include travel health insurance.
You can get travel insurance from an insurance or travel agency, auto club, or bank.
Some credit cards include travel insurance, but only if you use that credit card to purchase your trip.
Check to see if the policy will cover you for the whole time you are outside Canada.
See if the policy excludes medical emergencies from pre-existing conditions.
Some policies cover all family members travelling together, and some need policies for each person.
Travel to some countries may not be covered by the policy.
Some policies have exclusions (like dangerous sports, war, alcohol or drug abuse).
Many policies have maximum benefit amounts or travel time limits.
Making a Claim
Carry a copy of your policy and the insurance company’s telephone number for emergency help.
If you have to make a claim, call the emergency number.
If you have coverage through more than one policy, the first insurance company you call may be able to coordinate the claim with the other company.
Try to get the medical bills and other papers in English or French.
You may have to pay the bill yourself and then get the money back from your provincial health insurance and your insurance company.
Some hospitals outside Canada may bill the company themselves.
Usually you make a claim with receipts to your provincial health insurance plan first. Keep a copy of your receipts.
When you get a payment from the provincial plan, make a claim to your insurance company for the rest of the money.
In some provinces, your insurance company can make the claim to the provincial plan for you.
If you have a claim, tell your insurance company right away, even if you are waiting for a document or for your provincial plan to pay.
If you take a long time to tell the insurance company about a possible claim, the company may not have to pay the claim.
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