Travel Medical Insurance
True peace of mind when traveling comes from knowing that if a medical emergency happens, you have a team of experts ready to help. A comprehensive travel medical insurance plan is more than just a policy; it's a promise that your health and well-being are the top priority, no matter how far you are from home. For the vast majority of Canadian travellers, it is the single most important preparation for any trip.
Understanding Your Travel Health Insurance
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Navigating your health coverage options should be a clear and reassuring process. Here are some patient, expert answers to the most common questions we hear from our clients.
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What's the difference between this and my provincial health insurance?
This is the most critical distinction to understand. Your provincial plan (like OHIP) is designed for care within your home province and covers only a very small fraction of medical costs abroad. Private travel health insurance Canada is specifically designed to cover the other 90-95% of costs, from doctor visits to major hospital bills, that your government plan does not.
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Does 'travel medical' also cover trip costs if I cancel?
Typically, a core travel medical insurance plan is focused solely on your health. However, these plans can be easily bundled with Trip Cancellation and Interruption benefits to create a comprehensive travel and medical insurance for Canadians package. This gives you a single, powerful policy that protects both your health and your financial investment.
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Is this the right plan for seniors?
Yes, this is the foundational coverage that all travel medical insurance for seniors is built upon. The primary goal is to provide robust protection against high medical costs, which is a key concern for senior travelers. From there, we can tailor the policy to account for pre-existing conditions or longer trip durations.
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How does the claims process work if I need help?
Every policy we provide comes with 24/7 access to an emergency assistance team. If you need medical help, you make one phone call to this number. A dedicated professional will guide you to the nearest appropriate medical facility and, in many cases, will arrange direct payment with the hospital so you don't have to pay out of pocket.
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Our 'Client-First Coverage' framework ensures you get the perfect plan in three simple steps: We begin with a personal consultation to understand your unique trip and health profile, compare dozens of plans from Canada's top insurers, and then present you with a clear, jargon-free recommendation you can trust.
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Your Essential Next Step
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Now that you understand the importance of travel medical insurance, the next step is to see how it applies to your unique health profile. Contact one of our Select Brokers for a personalized and guided travel medical insurance quote.