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Travel medical insurance
What is travel medical insurance?
This insurance is a must-have when traveling outside your home province and is what we usually refer to when we think about travel insurance. With the right coverage, you can travel with peace of mind knowing that if ever your health is in jeopardy or you get into an accident, you will not incur medical costs including expensive repatriation back home.
Important:If you leave your home province, this is the minimal coverage you should have. Other coverage such as trip cancellation, all-inclusive travel insurance and multi-trip insurance offer a more complete coverage.
What is covered?
This insurance will cover you for 1 trip for any medical emergencies that you may have.
Here’s what is usually covered:
- Medical emergency
- Return of deceased
- Accidental death
- Prescribed medication
- Emergency dental treatment
- Paramedical services
- Vehicle return
- 24/7 assistance
- Laboratory tests
Why do you need medical coverage when you travel?
This insurance is particularly important for international travelers and students as standard provincial health insurance plans won’t cover most of the medical bills while you’re in another country. Travel medical insurance coverage is absolutely essential as the hospital fees can easily climb to the hundreds of thousands of dollars.
Here's 2 real life examples that shows how important it is to have a medical coverage when traveling abroad
A 48-year-old man suffered an aneurysm during his 16-day visit to Switzerland.
- Total cost of the claim, including repatriation: $41,000
- Reimbursement by the Régie: $300
- The insurance company pays: $40,700
A two-year-old child spending 15 days in Florida was diagnosed with bronchitis.
- Total cost of the claim: $948.46
- Reimbursement by the Régie: $85.75
- The insurance company pays:$882.71
Don’t put your financial assets at risk due to health issues and make sure you are well covered.