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When you travel outside of Canada, you might be surprised to discover that your provincial health insurance does not cover all your medical expenses. If you get sick or injured while abroad, you could end up with a hefty medical bill. That’s why it’s essential to get travel health insurance before you leave. In this article, we’ll explore the best travel health insurance options in Canada.
What is travel health insurance?
Travel health insurance is a type of insurance that covers medical expenses while travelling outside Canada. It typically includes coverage for emergency medical treatment, hospitalization, and medical evacuation. Some policies also cover trip cancellation, trip interruption, and baggage loss or delay.
Why is travel health insurance important?
Travel health insurance is important because it protects you from the high cost of medical treatment while travelling outside Canada. If you don’t have travel health insurance, you could be responsible for paying for your medical expenses out of pocket. Depending on the severity of your medical condition, the cost could be in the thousands or even tens of thousands of dollars.
What are the best travel health insurance options in Canada?
There are many travel health insurance options in Canada, but here are some of the best:
| Insurance Provider | Plan Name | Medical Coverage | Price (for a 30-year-old) |
|---|---|---|---|
| Manulife | CoverMe Travel | Up to $5 million | $65+ |
| Blue Cross | Travel Medical | Up to $5 million | $37+ |
| CAA | Travel Insurance | Up to $10 million | $65+ |
| TD Insurance | Travel Medical Insurance | Up to $5 million | $40+ |
How do I choose the right travel health insurance?
Choosing the right travel health insurance plan can be overwhelming, but here are some factors to consider:
- Medical coverage: Look for a plan that offers sufficient medical coverage for your needs. A minimum of $1 million is recommended.
- Pre-existing conditions: If you have a pre-existing medical condition, make sure the plan covers it.
- Duration of travel: Choose a plan that covers the entire duration of your trip.
- Activities: If you plan on participating in high-risk activities such as skiing or scuba diving, make sure the plan covers them.
- Price: Compare prices and choose a plan that fits your budget.
Conclusion
Travel health insurance is essential for anyone travelling outside of Canada. It protects you from the high cost of medical treatment while abroad. When choosing a travel health insurance plan, consider factors such as medical coverage, pre-existing conditions, duration of travel, activities, and price. By doing so, you can ensure peace of mind and enjoy your trip without any worries.