Even if you have a territorial or provincial health plan for your travel health insurance, you should never rely upon the provincial health plan because it does not always support the travel health insurance coverages. Secondly, the provincial health plan does not meet the full amount of travel health insurance, eventually, you may get a partial amount of your travel health insurance in the process of your claiming. Similarly, your credit card travel health insurance also has various limitations to provide you with the full travel health insurance coverage. The only option open for you is to go for private travel health insurance. Contact the Insurance Unicornfor any assistance to avail the best travel health insurance for your travel abroad.
Along with the travel health insurance, you may also need to include flight cancellation, lost luggage and trip interruption coverage. However, before and during assessing the travel health insurance plan, ask the following questions to ensure the best travel health insurance coverage.
Ask the insurer if they provide entire coverage before and after the trip along with the living abroad coverage if you have a plan to stay longer in the country of your destination. As a matter of fact, the territorial or provincial health plan does not entertain out-of-country long staying in their coverage. Get the details of offer coverage renewal from the abroad and the maximum period of stay.
Inquire about the in-house worldwide 24/7 emergency facility and ask for the phone number. Whether they have the emergency health service provider or providers in the country of your destination. If yes, ask them the detail contact along with the phone number. Whether the insurer covers the hospitalization for injury or illness or medical expenses of the same outside Canada which comes around 250000 USD in some cases.
Ask about the visits of health care providers and diagnosis fee. Can the insurer provide cash advances and direct payment of bills, so that you do not require to pay from your pocket? Whether the coverage include pre-existing conditions? Inquire the insurer about the medical evacuation to Canada or to the nearest place with all the necessary facilities and proper medical care, and about a medical escort who will accompany you during the evacuation. You should also ask about the premature birth and neonatal care if you are or have a pregnant woman. Clearly get all information about the deductible plan, emergency dental care, preparation and return of the remains in case of death,emergency transportation such as ambulance etc.