Canadian Travel Health Insurance - Purchasing Tips

Confirm your travel medical insurance is sufficient. Is it a comprehensive insurance product that will cover emergency travel back home?

Here is a check list to help you select your travel insurance carrier:

Is there an emergency 24/7 phone number?
Do you pay up front or does the insurance carrier make the appropriate arrangements?
What is the insurance companies policy on pre-existing and stable conditions?
What is the deductible? Having a higher deductible will lower your rates. Some companies offer a choice of deductibles and some companies have an option of completely eliminating the deductible.
What are the policy’s coverage limits?
Does the insurance company arrange and pay for the return of your vehicle and pet?
Does the policy allow for a companion to stay with you if you are hospitalized or unable to return home immediately?

Other important considerations:

Purchase your policy several days before your leave in case "technical difficulties” prevent the policy from being issued smoothly.
Follow your doctor’s advice. If there is a claim, the insurance company will want to know whether you followed your doctor’s advice.
If your travel dates change make sure you tell your broker so that the policy can be changed.
Purchase your insurance policy before your birthdate.
While travelling, keep your policy number and your insurance carrier’s claim phone number close to you in a safe place – like a wallet – so that it is available should you need it.
Should a claim happen, contact your Insurance company immediately. Do not delay.
Let an experienced, professional broker help you shop around and ask your broker questions prior to purchasing your travel insurance policy.

Most individual and Family Travel Insurance policies do not cover pre-existing illnesses or conditions, only emergencies.

While vacationing, keep the telephone number and policy number of your insurer available at all times.

After reading these tips give us a call at 1-866-747-7615 and we will give you peace of mind.

E-mail us at info@insurancedirectcanada.com

As our motto says "with You always"

Along with travel insurance, snowbird insurance and visitors to Canada insurance, Medical Health Plans provides quotes for affordable individual and group medical insurance plus family health and dental insurance plans in Canada; serving clients in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario and the Maritimes