Travel insurance Everything you need to know

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Canadians travel a lot. Whether you are travelling in North America or worldwide, unexpected emergency medical treatment is the single most costly hidden cost a person could profit hit with while travelling. There is no need to worry, as these costs can all be covered using inexpensive travel insurance.

Whether you are slipping across the border for a couple days of shopping and R&R, or you are off to the sunny south for a couple months, you dont desire to profit caught with unexpected medical expenses. Many people make the error of thinking they are only going to be gone a couple days and dont need travel insurance.

A lot of people never think of asking their guests from other countries if they have purchased travel insurance, to lid any medical expenses that may be incurred while visiting in Canada. It is often overlooked when people have family come live with them for a couple weeks, or a couple months. Dont worry. If they came without coverage, it can be arranged right now.

The Benefit Guys have broken down the various different types of travel insurance for a more detailed explanation. After you have been to the other travel insurance pages and you are still unable to locate what you are looking for, by all means complete the Client Data page with the questions you have. The Benefit Guys will gain back in touch promptly by your chosen method of contact.

Out of Province - Emergency Medical Information
Travel Insurance and Out of Province insurance is usually referring to Emergency Hospital and Medical coverage. Bottom line is this, you want to know, Will my bills be paid if I acquire sick or injured and I have to see a doctor and/or go to a hospital when I am not in my house province?. Thats a mouthful, but thats just what people want to know.

In some cases you may not be covered. Most travel plans have some limitations with pre-existing conditions and some plans are restricted by age and length of time away. When you are arranging travel insurance coverage, you should always make certain you ask the questions about limitations, pre-existing conditions and any exclusions. Its not always the cheapest coverage that turns out to be the best in the end.



Travel Insurance is a very inexpensive way to protect yourself and your assets when you are travelling out of your province.  Some Canadians go to Florida annually.  They are referred to as Snowbirds, hence the term, snowbird insurance.

If you are a snowbird, you also want to make sure that you have the proper coverage. Make sure you fully disclose all medications and medical challenges when applying for coverage. A lot of snowbirds are frightened to mention whatever about their health for fear of not getting coverage. Be honest with your travel insurance carrier about your situation. It is the only way to know exactly what you will be covered for and what your risks are if you travel.

Unexpected medical treatment is the single most costly hidden cost you could acquire hit with when you travel, whether on business or pleasure, within Canada or around the world. But there is no need to spend your vacation worrying. Just be sure to stay covered with emergency hospital and medical insurance. If you have an unexpected illness or accidental injury while away from your home, a travel insurance specialist will be there to ensure you acquire the care you need.

Government health insurance plans will pay only a little fraction of expenses if you are sick or injured while outside of Canada. Some hospitals charge thousands of dollars a day, not including doctors fees or diagnostic services. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs.

Travel insurance is intended to lid sudden, unexpected and unforeseeable circumstances. Travel insurance does not lid anything.

Visitors to Canada Insurance Information

Perhaps you have some friends or family, visiting you for a while, from a foreign country. Nobody likes to think about it, but what would happen financially if that buddy or family member got sick or was injured and had to get medical care and perhaps be hospitalised.  They should consider Visitor to Canada insurance.

Unexpected emergency medical treatment is the single most costly hidden cost a person could acquire hit with while visiting Canada. But there is no need to worry. Just be certain to stay covered with Emergency Hospital & Medical Insurance of some type. If a person were to have an unexpected illness or accidental injury during their stay in Canada, an insurance company will be there, to ensure they receive the care they need.

Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day. Without emergency hospital & and medical insurance, you and your family would possibly be responsible for these tall costs, which can make a significant financial burden.
Travel insurance is intended to lid sudden, unexpected, and unforeseeable circumstances.

If a visitor to Canada travels to a different country and carries this coverage, as long as the majority of time is spent in Canada, the coverage will travel with them, no matter where they travel outside of Canada. Expenses incurred in their country of origin will not be covered. Always read the insuring companies policy for specific coverage details.

International Student Insurance

If you are a foreign student enrolled for a minimum of 60% of the usual course requirement in a Canadian school, college, university or accredited education system, you and your family probably qualify to buy foreign student insurance coverage.
Unexpected emergency medical treatment is the single most expensive hidden cost you could get hit with while studying in Canada. But there is no need to worry. Just be certain to stay covered with Hospital and Medical Insurance for International Students Studying in Canada.

Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day, with many Canadian hospitals charging a service fee to patients not covered under a provincial health care program. Without hospital and medical insurance, you and your family would be responsible for these tall costs, which can make a significant financial burden. As an international student in Canada, you can also insure your spouse and children who live with you, under this policy.

Costs are relatively inexpensive. Here are a couple of examples:

Single person for 3 months coverage is $245 and for a year is $695

Family coverage for 3 months coverage is $674 and for a year is $1911

This International Students coverage, also allows you to take trips outside of Canada for up to 30 days and nevertheless be covered. So, if you are going to school in Vancouver, have the International Student coverage and decide to go to Seattle, USA, for a couple days, you do not need to buy any other travel insurance. Your coverage is portable.

Global Expatriate Insurance Information

Unexpected medical treatment is the single most expensive hidden cost you could get hit while living abroad. But there is no need to worry, just be sure to stay covered with a proper Global Expatriate Hospital and Medical Insurance plan.

If you have an unexpected illness or accidental injury while living abroad, you should make certain an insurance company is there to ensure you get the care you need.

Health care costs are very expensive. Hospitals can charge thousands of dollars per day. Without hospital and medical insurance, you and your family would be responsible for these tall costs, which can create a severe financial burden. Health insurance is intended to lid unexpected and unforeseeable circumstances.

Who is eligible for this coverage?

Coverage is available for 15 days or more to persons who are not eligible for benefits under a Canadian government health insurance plot. Such persons must be either:

    a Canadian citizen residing outside of Canada, or
    a Canadian citizen returning to reside in Canada and awaiting coverage under a government health insurance plot, or
    a non-Canadian citizen residing in Canada and requiring coverage in Canada, or
    a non-Canadian citizen residing outside of his/her country of citizenship while employed by a Canadian company and requiring coverage in the country of residence.