6 disregarded realities of travel insurance

2 September 2016

Multi-trip insurance cannot be interrupted

If a traveler subscribes to an annual travel insurance plan, also called multi-trip insurance, this type of plan is not refundable as soon as it comes into force. It provides insurance coverage for unlimited travel for a certain period, in the course of 365 consecutive days. If the insured has availed of that once or several times during the annual period, the insurance premium does not vary. The argument of non-payment is that the insured can use it later as the contract is valid for one year from the start date of their first insured trip. Obviously age of the insured traveler, certain medical conditions may not be covered if it does not respect the stability period required at each new start. Usually, anyone planning to travel outside their province of residence repeatedly should consider the option of an annual plan of travel insurance. It will prove more economical than several unique travel insurance.

 

A deductible can be applied several times a trip

Some travel insurance for all and travel insurance for travelers 55+ offer the possibility to choose the application of a deductible in order to lower the insurance premium. The exact application of the deductible depends on each insurer. It is important to refer to the section of the insurance policy that details the conditions of application of the deductible. In general, the medical deductible applies to each new event (accident or illness). For example, if a traveler consults for early bronchitis, they shall pay the amount of the deductible in their travel insurance policy. If they then consult for a broken ankle, the deductible applies again because they are two separate events.

 

But increasingly, the deductible also applies per visit to an emergency room or hospitalization even if connected to the same medical condition. If the insured returns for a follow up planned by the treating physician, the deductible will not apply. But if he returns to an emergency room due to a sudden relapse of his condition, some contracts apply the deductible again.

 

When purchasing travel insurance, you must check the General Conditions carefully.

 

The number of prescribed medications can influence the insurance premium

The number of drugs prescribed at the pharmacy regularly are subject to a medical question on contracts for travelers wishing to cover their pre-existing conditions. This criterion is found in either the admissibility or the medical questionnaire. The answer is involved in determining the premium. It is strongly advisable to check with your doctor if certain medications taken as needed or nonessential could not be replaced by OTC drugs. Thus, the number of drugs decreases. This can give access to more insurance products or avoid elongated medical questionnaires which must be approved by the medical team of insurance companies. This process is more difficult because the traveler must provide exam results, so for him it involves costs, waiting time and therefore stress.

 

The partial reimbursement of the insurance premium for shortened travel is subject to conditions

Any traveler making a hasty return to his country or province of residence can claim a refund for unused days. This possibility is not offered on annual insurance nor if insurance includes cancellation coverage or trip interruption.

 

When the travel insurance policy so authorizes, reimbursement for early return is subject to certain conditions. No refund is possible if the insured traveler consulted in order to obtain medical services during their stay abroad. This restriction is always described in the conditions of the travel insurance policy wording. If the traveler has made any medical claims and has no medical claim form to be submitted to the insurer, it can claim a refund of the unused insurance days. Administrative charges are applicable. They are usually specified in the insurance certificate originally issued. These fees vary slightly between insurers. It is also asked to provide proof of valid return to his country or province of residence.

A group plan to cover the beginning of your journey brings some disadvantages

It may be advantageous to cover the beginning of your journey through a group insurance or a credit card that gives the holder travel insurance coverage. It is the responsibility of the traveler to check out the number of days covered and the required stability. If the trip undertaken exceeds the coverage offered in duration through group insurance or credit card, it should be complemented by a unique travel insurance. Should the latter be purchased prior to the date of departure in trip and the two insurance periods must follow each other without interruption.

 

If the traveler extends the coverage offered through group insurance or card credit, it is essential to check that the first insurer authorizes to extend its plan with another insurer. The standards are sometimes quite different. For example, some require group plans to use the predetermined number of days of insurance, without possibility of extension. Or some credit cards must be extended by the same insurer unless with special permission.

 

Finally, if a medical event occurs during the first period of insurance (one in the group coverage or that of the credit card), it causes a change in medical stability with regard to the insurer completing the second period of coverage. Accordingly, an accident or illness during the first period of insurance becomes an exclusion for pre-existing conditions for the second period of insurance.

 

The return date of an insurance contract is based on the time of arrival of the flight

When a passenger makes a request to provide a package holiday, it is important to know the dates and times of departure and return. Time to return to the country or province of residence is crucial. Often return flights will be quite late in the evening. For travel insurance it is very valid, it must be taken out until the date of the next day if the flight ends after midnight.

Understanding medical stability

12 August 2016

What is medical stability?

A well-informed traveller should carefully consider their needs when reviewing different possibilities of travel health insurance. The verification of conditions, restrictions and requirements of insurance policies must constitute the central elements of their approach. In fact, the limitations on pre-existing medical conditions vary from one insurer to another. The terms of medical examinations and treatments received are also defined differently.

In the end, whether a pre-existing medical condition is covered by travel insurance or not, any traveller must understand the concept of medical stability.

Understanding medical stability

In a travel insurance policy, it is the time required by the insurer during which the traveller’s state of health must remain exactly the same, without any change, in terms of medication, treatments and consultations. The stability period is expressed in days or months depending on the travel insurance companies.

Medication

Any increase or decrease in the dosage of a medication is considered instability and more so, the beginning of taking or discontinuation of medication. It is mainly the discontinuance of taking a medication that raises the most arguments. The reason is simple. Most people believe if they no longer take the drug, they will consequently declare themselves cured. One should know that in the beginning of a medication being taken, as it is judged, may have side effects. Taking a new drug prescribed by their doctor or stopping the prescription of a drug leads in both cases to a change in the patient’s health. As such, the history of their medication is an integral part of the concept of medical stability.

Treatments

The term “treatment” is any health problem or symptom for which a physician has a diagnosis and has recommended a medical response. All treatment received to control a medical condition (medication, chemotherapy, surgery, hospitalization etc.) is also subject to a period of stability which varies according to age, duration of the trip or the type of treatment itself.

Medical consultations

The term “consultation” is defined as any visit where you ask them to see you for a health problem that creates discomfort and worries you, even to the point of presenting to the emergency department of a hospital.

In contrast, the annual medical examination with your family doctor does not fit into the category of medical consultations affecting medical stability. Instead, insurers see travellers who had a health check within 24 to 36 months before the travel departure date favourably. The medical situation of the traveller is therefore known and possibly better controlled. Consequently, a surcharge applies on some travel contracts for travellers aged 55 and over who have not had a health check for more than two or three years. They are considered higher risk by travel insurance companies.

Term stability

As mentioned previously, the age of the traveller is an important point for the criterion of a period of stability. Depending on their age, the clauses in the contract require stability times ranging from 7 to 365 days. The insured person must refer to the required stability time for their age group at the date of departure for their trip.

Particularities

Some medications, such as insulin and coumadin, are considered stable even if the dosage varies. With this type of medication, we consider only the starting or stopping of taking the drug for stability.

The category of minor ailments includes any illness, injury or health problem that does not require the use of medication for more than 15 days and not more than one follow-up visit to the doctor. For a condition to be considered minor, the insured person should not be hospitalized or undergo surgery, or be referred to a specialist (the definition is always described in the insurance policy). The health status must remain stable up to 30 days before departure date. However, a chronic condition, or any complication related to a chronic condition, is not considered a minor ailment.

The features may be slightly different from one travel insurance product to another, so it is important to read the policy. If in doubt, the best way to know if your stability has been acquired before departure is to check w

Clarifying 4 myths on baggage insurance

5 July 2016

1. My luggage is covered only during the trip to my destination

The term baggage is used by airline companies, rail or road carriers to designate the personal belongings which accompany you during your journey. Throughout your entire trip, your baggage can indeed be delayed, damaged or even lost. Baggage insurance therefore covers in case of loss, theft, damage or delay. Nevertheless, baggage insurance will remain in place throughout your stay at destination. Your personal belongings are insured against a number of risks which could occur, such as a break-in the hotel room or a mugging. For example, the loss or theft of important documents such as passport, driver’s licence, birth certificate or travel visa entitled you to financial compensation for expenses incurred to replace them.

2. Personal belongings are always poorly refunded

Reimbursement levels on baggage insurance varies significantly from one insurance company to another. The perception of poor coverage often comes from baggage insurance which refund limits are below the value of the items that accompany us when traveling. It is important to understand the sub-limits inherent to baggage insurance. In fact, behind the maximum amount of coverage, other provisions can significantly reduce the range of guarantees. This may be the presence of a deductible, a maximum amount per article or even an overall limit for a category of personal items. Usually, jewelry and electronic devices are personal items that have most restrictions in the baggage insurance.

3. The insurer compensates only in monetary form

Baggage insurance provides financial compensation for losses in accordance to the terms and conditions outlined in the contract. It is also necessary to be aware that the insurer reserves the right to repair or replace damaged or lost property with another of the same quality and value. The insurer’s guarantee is limited to the actual value of the goods. However, if it is the baggage registered with a carrier or for missing luggage left under the responsibility of a hotel, the insurer reimburses eligible expenses only in excess of those reimbursable from other sources, such as the hotel’s civil liability.

4. Making an insurance claim for my luggage is complicated

As with medical claim, the insurer will request proof of the damage sustained to the baggage and personal belongings. It is this step that seems unacceptable for the traveler who wishes to assert his right to compensation under the baggage insurance.

If the damage occurs while travelling, the carriers offer a service counter for travelers who are experiencing delays, lost or damage of their property and personal belongings. The transport agents will then give the traveler a receipt stating the damage. It simply is the responsibility of the insured to contact the assistance center for procedure to follow to declare its claim and attach the receipt.

In the event of burglary, theft or wrongdoing, you must notify the police as soon as possible, ideally within 24 hours after the fact and obtain written proof to support the loss incurred. If you do not report to the police the incident, you could lose all rights to the insurance coverage.

For more information on baggage insurance

It is very important to understand the guarantees and specific exclusions of your contract. Check with an Accident and Sickness Insurance Representative about the general conditions of baggage insurance.

Credit card insurance – Limitations when traveling

5 July 2016

When you leave on your trip, do you think you are sufficiently insured by your credit card? The following are some explanations to fully understand the limitations of credit card insurance and the importance of taking out international travel insurance.

There are two types of benefits: non-medical benefits (luggage, cancellation, delay and civil responsibility) and medical benefits (death/disability, medical costs in case of accident or illness, medical repatriation, etc.)

Your credit card abroad

Each card has its special conditions. Make sure you understand the benefits/limitations of yours.

Ask the right questions

• Must you pay your trip in full with your credit card to take advantage of its coverage?
• Are you covered for pre-existing medical conditions?
• Does coverage vary according to age?
• What is the period of stability?
• What is the maximum amount of travel insurance coverage for medical costs?
• Is there a deductible to pay?
• If you decide to extend your stay, will your protection be extended?
• Are there conditions?
• What is the maximum number of days covered for a trip?
• Is the cancellation or trip interruption provided by the plan?

Who is covered by your credit card?

Most cards cover the cardholder, spouse and dependent children, meaning: your child or your grandchild or those of your spouse, being older than 15 days and younger than 18 years. If the child attends an educational institution, he will be considered in your charge if he is 24 years old or less. To be covered, you must travel with the cardholder.

Eligibility

In order to be eligible for guarantees, you must generally have paid for your trip in full with the credit card (according to banks), and very often, these guarantees are optional, being a supplement, or can be limited to a maximum amount. It is essential, before paying for medical costs abroad, to make contact with the insurer. Otherwise, the insurer may decide to reduce the refund amount for the expenses that he has not authorized. Generally speaking, if your account is in arrears, you may not be eligible for guarantees.

Limitations for coverage

• You are covered only for your trips in which the duration is equal to or less than the number of days indicated on your credit card’s protection chart. For example, depending on your age, with Desjardins Odyssée credit card, a person who is 59 years-old or younger is entitled to 48 days of coverage; from 60 to 64 years, the maximum is 23 days; from 65 to 75 years, the maximum is 15 days; from 76 years and older, this card does not cover you for medical expenses.
• The amounts related to cancellation insurance are often fixed at a maximum amount, in several cases $2,000.
• Protection for baggage provides for compensation only in cases where luggage has been registered with a public transporter.
• It is not possible to cover your pre-existing health conditions that were not stable in the six months prior to your departure date.

The advantages of buying travel insurance with Escapade Travel Insurance

• You receive personalized coverage, advice and service from our expert consultants.
• The baggage insurance offers coverage for your personal items in case of theft, loss or damage during your trip and at destination.
• By subscribing to a cancellation guarantee, you are covered for a large number of cases for canceling your trip and the guarantee limits are much higher.
• You can be insured for your unstable health conditions.
• You can travel the number of days you wish, without limitations with respect to your age.

To learn more about credit card insurance

To learn more about guarantees and specific exclusions to your credit card, check your financial institution’s website, and more specifically their travel insurance section.

Demystifying yellow fever when traveling

5 July 2016

If you anticipate traveling to a tropical zone in a Latin American or an African country, vaccination against yellow fever will probably be a requirement in the countries you will be visiting. Protecting oneself against yellow fever by a vaccine should be carried out at least 10 days before your departure in order to be effective. Yellow fever is a disease caused by the Amaril virus which is transmitted from a bite of an infected mosquito. It takes its name from the yellowing of the skin and eyes which occurs when the virus attacks the liver.

Yellow fever is endemic in several countries. To be admitted to their territories, certain countries therefore require the presentation of an international certificate of vaccination against yellow fever. According to WHO, every year yellow fever affects around 200 000 people and will be the cause of 30 000 deaths. During the preparation of your trip, check if a yellow fever vaccination is necessary.

How does one identify the symptoms of yellow fever?

Yellow fever is a virus which, like malaria, is transmitted from bites by mosquitoes carrying the virus. These infected mosquitoes, of the Aedes and Haemogogus types, are responsible for the transmission of the disease. They normally bite during the day, especially at sunrise and sunset.

After an incubation of seven days on average, the first symptoms of yellow fever will manifest. The body becomes feverish. Muscular pain, shivers and headaches are felt by the person who has contracted the disease. These symptoms are similar to other viral-type infections. In its early stages, it is difficult to diagnose yellow fever. In severe cases, yellow fever evolves to a second phase which can be fatal. Acute symptoms are vomiting, a yellow complexion, hemorrhagic syndrome or even kidney problems.

Where does yellow fever strike?

Africa is the continent most affected presenting each year more cases of infection. The disease also occurs in South America. In total, there are 44 countries in which more or less elevated risk of yellow fever transmission is identified.

Endemic zones in Africa: Angola, Benin, Burkina Faso, Burundi, Cameroon, Congo, Ivory Coast, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, Equatorial Guinea, Kenya, Liberia, Mali, Mauritania, Niger, Nigeria, Uganda, Central African Republic, Democratic Republic of Congo, Rwanda, Sao Tomé and Principe, Senegal, Sierra Leone, Somalia, Sudan, South Sudan, Chad, Togo.

Endemic zones in South America: Argentina, Bolivia, Brazil, Colombia, Ecuador, Guyana, French Guiana, Panama, Paraguay, Peru, Suriname, Trinidad and Tobago, Venezuela.

Vaccination against yellow fever

Vaccination is currently the best means of protecting oneself against yellow fever. The centers for vaccination against yellow fever have been designated by the Public Health Agency of Canada for Canada in order to satisfy the requirements of the International Health Regulations (IHR).

It is recommended to renew the vaccination every 10 years. The yellow fever vaccination is not recommended for children under 9 months, pregnant women, people with serious immune-deficiencies and people with serious allergies to egg protein.

International certificate of vaccination

Customs authorities in certain African countries require every traveler to present an International certificate of vaccination or prophylaxis upon arrival, which is valid for 10 years. This certificate is issued when you are vaccinated against yellow fever.

Currently, 20 countries that systematically require proof of yellow fever vaccination are: Angola, Benin, Burkina Faso, Burundi, Cameroon, Congo, Ivory Coast, Gabon, Ghana, Guinea Bissau, French Guiana, Liberia, Mali, Niger, Central African Republic, Democratic Republic of Congo, Rwanda, Sao Tomé and Principe, Sierra Leone and Togo.

In several other countries, travelers from countries where a risk of yellow fever transmission already exists must also provide an International certificate of vaccination.

To see what an International certificate of vaccination looks like, find the document provided by the Public Health Agency of Canada.

Traveling abroad with cell phones

5 July 2016

The cell phone became an essential item of the daily life and now travels with you anywhere you go. It allows you to stay in touch with family and friends while abroad but traveling abroad with your cell phone can also lead to unexpected expenses, especially for smartphone users.

Many features and applications can be very costly. On the other hand, the cell phone gives you peace of mind in the event of a need for assistance. How can you make the most of your trip without generating a large bill?

Customized packages and effective settings

The first things to check are the conditions for using your cell abroad. Your provider may offer you a package that will be adapted to the country you will be traveling to. Once you’ve reached your destination, try to avoid the use of internet or uploading data because it can drive up your bill quickly. Instead, enable the Wi-Fi connection from your smart phone and disable the 3G connection. By doing that, you will benefit from the available local networks while reducing the use of data. Beware of incoming calls, you may be charged if someone calls you.

Practical alternatives

How to avoid unpleasant surprises? For smartphone users, applications such as Skype, Viber or Facetime allows you to call free of charge. For phones without these advanced features, you might consider sending a text message instead: it costs less than a long-distance call and allows you to communicate quickly. There are also phone cards, usually easy to find in major city centers. Finally, if your phone is unlocked, you have the option to purchase a local SIM card.

Tips before you leave

• Save your travel insurance policy number and the assistance center’s phone number in your phone.
• Also save the phone number of the person you wish to be reached in case of an emergency.

Be vigilant and beware of pickpockets.

For more information about travels with cellphones

Please consult this international cell phone guide.

The 10 commandments of travel insurance for snowbirds

5 July 2016

We all think snowbirds travel insurance is a pain to deal with and that insurers are out to get our money. Many travelling Canadians feel the questionnaires are not fair, asking vague questions in terms only a healthcare professional would understand and that policies are built to confuse and exclude. The fact is, whether you are travelling to Florida, Cuba or anywhere else in the world, snowbird travel insurance is the most important thing you will need while travelling besides your passport. The responsibility, no matter how tedious, falls on you to complete the application properly and to know what your snowbird policy covers. So here are the 10 Commandments of Travel Insurance for Snowbirds to live by to avoid a very unfortunate result should you have a claim:

1. Thou shalt meet the Eligibility Requirements

The first thing to remember when it comes to travel insurance is that each product has a different set of eligibility requirements. You must meet these requirements in order to purchase the insurance. Just because you may not qualify for one product doesn’t mean there isn’t a product for you out there. Shopping around is always a good idea.

2. Thou shalt not make a mistake on the application

Filling out a travel insurance application can not only be a tedious and complicated business, but a scary one as well for many Canadian travellers. The stress of knowing you might not be covered should you make a mistake on the medical questionnaire is reason enough for many snowbirds not to bother getting insurance at all. A tip to avoid mistakes is having your family doctor review your application before you sign it. Keeping notes on your health conditions and prescriptions is also a plus.

3. Thou shalt read the policy

Granted insurance policies are long enough to put anyone to sleep, the importance of its content is undeniable. Especially the sections relating to what is and what is not covered. Too many snowbirds travel under the assumption they are fully covered for a condition when in fact, it is excluded in the policy. For instance, most insurers do not cover Arthritis or Lupus, but do not ask about it on the medical questionnaire. Our tip – Read your policy before you travel!

4. Thou shalt be Stable

The stability period for pre-existing conditions is of the utmost importance as the insurer uses it, amongst other factors, to assess the risk covered. Any pre-existing condition that does not meet the required stability period will not be covered, as well as any emergency related to it. The periods vary from one insurer to another, so make sure you find out from your travel insurance broker the stability period you must meet to be covered for your specific conditions. The definition of stability can be found in the Definitions Section of your policy.

5. Thou shalt call the assistance company prior to seeking treatment

Every insurer requires that you contact the emergency assistance company as soon as reasonably possible before seeking treatment. That is a rule across the board. Of course, some emergencies are so great that you may be unable to do so and the hospital may do it for you. For that reason, you should always carry your emergency wallet card with you as it contains the necessary information in the event of a claim. However, do not assume that someone will contact the assistance company on your behalf. It remains your responsibility to ensure they have been contacted, so make sure you verify when you are able to do so.

6. Thou shalt understand the definition of Treatment

These days, doctors like to “prevent” a condition rather than “treat” it. The problem is, once a medication has been prescribed, it is in your medical record and the insurer considers it a treatment for that condition. The idea behind it is that if you did not take the medication, you might develop the condition it is prescribed for. The definition of treatment can be found in the Definitions Section of your travel insurance policy.

7. Thou shalt not look for elective care or treatment that is not deemed medically necessary

Insurers generally will not cover hospital or medical treatment, elective surgery or medical care during a trip when the trip is undertaken for the purpose of receiving medical or hospital services, whether or not the trip is taken on the advice of a physician. Simply put, if you are awaiting treatment before you leave or are planning to receive it while travelling, it will not be covered.

8. Thou shalt be aware of Travel Advisories

No matter where you are travelling to, some countries may be subject to a Travel Advisory due to situations that may affect your safety or your health, which may affect your travel insurance or your trip cancellation insurance. The complete Travel Advisory list can be found on the Government of Canada website at www.Travel.gc.ca in the Travel section – Travelling abroad. Make sure to verify shortly before your departure date because situations in those countries can change rapidly.

9. Thou shalt understand the selected deductible

Selecting a deductible is a great way to save on your premium. The higher the deductible, the more money you save. But, make sure you are aware of the insurer’s policies regarding the deductible option because some insurers will apply the deductible per trip, and some will apply it per emergency.

10. Thou shalt be stable on each departure date for the duration of an Annual Multi-Trip policy

An annual multi-trip plan is a great way to save on cost if you travel often during the year. It provides coverage outside of your home province for the period selected, as many times as you travel during the year, providing you don’t go over the limit allowed by your home province. The thing to remember here is that you must be stable for any pre-existing conditions you may have on each departure date, so be sure to inform your broker of any change in your health to find out if you will be covered for that condition.

To sum it all up, the idea is to be a well-informed snowbird and traveller. The more you know, the better prepared you will be in case of a medical emergency while travelling outside of your province. Yes, snowbird insurance policies are long and boring, but a little reading never hurt anyone and information is the best tool you have to protect yourself.

Trip cancellation insurance

5 July 2016

Trip cancellation insurance covers the non-refundable portion of your travel expenses if an unavoidable situation beyond your control force you to cancel your trip. Your vacation is scheduled to begin in 3 weeks and your trip has already been paid for, but there is an incident, an illness or a death in the family… Obviously, you can no longer leave and you would like to be refunded. What are the advantages of taking out a trip cancellation insurance?

What is the purpose of a trip cancellation insurance?

You have put a lot of time into preparing for your trip but you must unfortunately cancel. It is a great disappointment and add to this the impact of non-refundable cancellation fees by the wholesaler or airline. The amount of the cancellation fees varies from company to company and the closer you approach your departure date, the more limited your refund will be. It is therefore very important to notify the company of your need to cancel as soon as possible.

There are several cancellation grades which vary according to agencies, tour operators and airline companies. Refer to your contract to find out the exact terms and specific conditions. The following is an example of cancellation fees which could be applied by a wholesaler:

• Non-refundable deposit
• 44 to 30 days before departure: 50%
• 29 to 7 days before departure: 75%
• 6 days and less before departure: 100%

The purpose of cancellation insurance is to obtain a refund of expenses that the wholesaler, travel agency or airline will not reimburse.

Example: You buy a group trip at a price of $2,600. You fall ill 8 days before departure. The wholesaler will reimburse only 75% of the cost that you have paid, that is $1,950. The insurance will reimburse you the full cancellation fees retained by the wholesaler which is $650. You will therefore recover everything that you paid.

Warning: In the case of purchasing plane tickets, the penalties are 100% and often at time of booking. For cruises, the cancellation fees often begin more than 3 months from departure!

What is covered by the trip cancellation insurance?

What is considered as ground for cancellation varies from one contract to another. This is why it is very important that you read the guarantees and exclusions! The following is a non-exhaustive list of reasons for cancellation which are often covered:

• Death of family member;
• Illness or injury;
• Damage occurs to your home or place of business;
• An official notice from the Canadian government not to enter a particular region or country;
• Visa application denied;
• New job;
• Passport or plane tickets stolen…

It is important to declare your cancellation quickly, generally the same day or within 5 days following the reason for cancellation. The insurer will ask you to provide proof of your inability to travel: medical or death certificate, confirmation from your employer…

How to get a trip cancellation insurance?

Cancellation insurance is often available directly with the travel agency or on the tour operator’s website when purchasing. The cost of insurance is proportional to the amount that you insured and may vary according to your age. Although this type of insurance is offered by the travel agency or the tour operator, the premium is not necessarily the best on the market. You can decline their offer and compare cancellation insurance solutions which are available with specialists such as Escapade Travel Insurance.

The causes of cancellation are only covered after subscription to the insurance contract, so it is in your best interests to buy your insurance as soon as possible after purchasing your trip. There is also the All-Inclusive insurance which offers coverage for medical costs, luggage and cancellation. It may be beneficial for you to contact one of our advisors about these products.

Credit card coverage against trip cancellation

Only a few “high end” cards offer protection in cases of trip cancellation. Generally, guarantees cover you in cases of health problems which prevent you from traveling, in cases of death of a family member or serious damage to your home. For all other cases, your credit card cancellation insurance may not be valid. It could also have a refund limit, so if the cost of your trip exceeds the fixed limit, you could lose the excess amount. Credit card insurance are not always sufficient, or even non-existant.

Remember to check these details and compare the guarantees with the cancellation insurance Escapade Travel Insurance offers.

For more information on trip cancellation insurance

Other tips for travelers are available on the Consumer Protection Office website.

Your travel insurance coverage abroad

5 July 2016

When you leave your province of residence, you are no longer covered by your provincial health insurance plan. In case of an accident or an illness abroad, you will have peace of mind if you have purchased travel insurance prior to departure. We recommend you to call one of our representatives who will advise you on the best travel insurance policy suited to your situation.

Why purchase travel insurance?

1- Your provincial health coverage does not protect you while abroad

Provincial health insurance plans cover only a small portion of the medical expenses abroad. If you do not take private insurance, you will have to advance the costs and wait for an eventual refund. It’s always better to purchase travel insurance before departure and protect your health as well as your finances.

2- Your collective insurance plan or credit card might not protect you entirely

Inform yourself on the periods of coverage and the limitations of your Collective or your credit card insurance plan. If you decide to extend your stay, could your coverage be extended? Guarantees may be limited and some of your health conditions may be excluded. Check if the coverage excludes emergency medical care due to preexisting conditions or conditions related to the use of a new medication.

3- Access to health care in some countries

Did you know that:

• Hospitalization in the United States can cost tens of thousands of dollars.
• Depending on the country, access to health care in the public sector can take several days or even weeks.
• Some hospitals require that you submit your credit card as a guarantee before they start giving you medical attention.
• The failing healthcare infrastructures in some countries encourage people to turn to expensive private clinics.

What are the guarantees of emergency medical insurance?

For an accident as well as for a disease, you can count on coverage for all the following expenses:
• Hospitalization
• Physician Fees
• Diagnostic services recommended by a physician (laboratory, x-ray, etc.)
• Paramedical health services
• Prescription drugs
• Dental Care
• Repatriation in case of death

To find out more about your travel insurance coverage

Contact one of our consultants and benefit from our expertise or consult the Guide to Travel Health Insurance offered by the Canadian Life and Health Insurance Association Inc. (CLHIA).