PETER C. RHODEN
Advice for travellers
Experts say it's important to fill out the medical questionnaire as accurately as possible, disclosing all medical conditions. If there's confusion regarding the questions then seek guidance from a health-care professional.
And if your health has changed in any way, including a change in medication since purchasing the insurance policy, let the insurer know. Otherwise, there could be coverage problems.
Read any travel health policy carefully with an eye for eligibility requirements for coverage and other possible limitations before going on a trip. Also check to see if the insurance provider will cover expenses upfront or whether the policy holder has to pay for hospital bills and be reimbursed after the fact.
If you're travelling out of province but staying in Canada, you may want to consider purchasing insurance to cover emergency expenses if public health-care doesn't pay for things like air or ground ambulances where you'll be visiting.
Out of Province/Out of Country Travel Insurance for Canadians
Travelling Canadians can choose from the following options:
Provides coverage for one trip for the number of days purchased. No age limit but the you will have to answer medical questions if you are over the age of 55.
Provides several benefits all in one plan. It covers Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Delay & Damage, Flight Accident and Travel Accident.
Quick Trip Plan
Provides coverage for one trip of less than 18 days for those 55-74 years of age. There are no eligibility questions for this option.
Travel Canada Plan
Provides Emergency Medical Insurance if all travel is within Canada at 50% off the regular Single-Trip Emergency Medical Plan rates.
Provides coverage for an unlimited number of trips during the policy year for the number of days purchased. Options of 4, 10, 18 and 30 day plans. No age limit.
Trip Cancellation/Interruption Plan
May be purchased as part of an All-Inclusive Plan or separately. If purchasing separately, must be purchased within 8 days of booking your travel plans.