Why Canadians need travel insurance when traveling within Canada?
Travel Insurance for Canadian Travelers
Are you choosing to travel within Canada this year and experience Canada's many beautiful places? Did you know that an unexpected health issue outside of your home province may have serious repercussions on your finances?
When traveling in Canada, we often don't think emergency medical travel insurance is necessary. After all, our provincial insurance will cover us when in another province. Or will it?
What happens if you have a fall or an emergency trip to the hospital? Costs can be extremely expensive if you are out of province without suitable insurance coverage. If you travel out of province your provincial insurance coverage becomes partial. The cost of treatments varies from province to province.
All out of province and out of country travel insurance starts and ends in your home province. If you have an annual plan that is coming up for renewal, you must be in your home province when you renew it. If you are not going to be in your home province at time of renewal, purchase the insurance before you leave your home province.
You are NOT covered by your provincial health plan when in another province for the following:
Your provincial health plan PARTIALLY covers you:
The following are some examples of real situations encountered by people on their vacations:-
Bridgette was skiing with her family in B.C. for the first time. Unfortunately, she had a bad run and crashed into a tree. She was airlifted from the mountain to the nearest hospital and required being hospitalized for 5 days before being released.
Air ambulance fees...
$6,296.60
Doctors' fees...
$624.69
Amount paid by TuGo
$6,921.29
Details provided by TuGo
An Alberta mother had a premature birth while in Northern Ontario. She was rushed to hospital but that hospital could not deal with her medical issues so was airlifted to another hospital. There she underwent an emergency caesarean and everything worked out fine medically.
Air ambulance fees...
$30,000.00
Details provided by Toronto Star
A Nova Scotia senior was visiting his family in Alberta. He became short of breath which required him to be airlifted by helicopter to Edmonton.
Air ambulance fees...
$25,000
After bargaining, the amount was reduced to $14,000
Details provided by CTV
An Ontario resident was visiting her parents in Nova Scotia. She had a medical emergency and the ambulance took her to the hospital. That hospital was unable to handle the situation and so she was then airlifted to another hospital 150 km away where she had emergency surgery.
Ambulance fees...
$12,800.00
The interest has been waived. She is paying off the bill at $50 per month. It will take her about 21 years to pay down the debt.
Details provided by CBC
Wilson was on a fishing expedition in the Yukon. After an eventful day by the water, he went for an evening stroll on the lodge grounds, where he unexpectedly startled a moose and her calf. Wilson tried to back away slowly, but was knocked to the ground by the moose and thrashed around for several minutes before being abandoned. He was airlifted to Whitehorse where he was treated for multiple contusions, and then released.
Air ambulance fees...
Prescriptions
$48,000
$39.45
Amount paid by TUGO $48,039.45
A good travel insurance is more than just protection for you. It is also peace of mind for your loved ones. In case of an emergency, they know you are in good hands, which allows you to fully enjoy yourself without any worry.
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