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Types of travel insurance.

In Canada, travel medical insurance is distinct from travel insurance.

The former covers specific health care coverages while the latter covers your investment in a trip.

If you purchase an all-inclusive travel insurance policy, it’s likely to include medical benefits.

Alternatively, you can purchase separate policies.

To figure out what coverage is best for you and your upcoming trip, connect with a licenced broker at DirectRate.ca.

We’ll work one-on-one with you to customize a policy so that you only pay for the travel medical insurance coverages you need, nothing more.

Regardless of the policy you select, it’s helpful to understand what coverage might be built into your quote for travel medical insurance:

Emergency medical travel insurance within Canada - This type of coverage is for medical costs incurred in a province or territory other than the one you call home.

Many Canadians wrongly assume that their provincial health care will cover emergency medical costs incurred in other parts of Canada. While some provinces do have agreements which allow it, it is not true across the country.

When travelling interprovincially, proceed on the assumption that your provincial health care will not cover emergency health costs in other provinces.

International travel medical insurance - This type of coverage is for medical costs incurred while you’re abroad.

Speak with a broker to confirm the specific features this type of policy includes.

If you’re a Canadian abroad in the United States, it may be wise to purchase a policy designed specifically for travel to the USA.

International travel medical insurance is also known as worldwide travel medical insurance.

For any Canadian travelling off one of the country’s three coastlines, consider whether you need international travel insurance coverage. In the event you run into trouble while on international waters, you’ll want to have the appropriate insurance.

Medical insurance travel to the USA – This type of coverage is for medical costs incurred by Canadians while in the United States.

This coverage contains features designed specifically to respond to the range of systems that administer health care in the U.S.

For example, health care in the U.S. can be administered by a government-funded health center, or, by a private health care provided.

While some provincial plans will cover a portion of medical costs for care in the United States, it is not a significant portion of the overall cost.

Considering how expensive care abroad can quickly become, we recommend that Canadians closely consider purchasing travel medical insurance when they’re travelling to the U.S.

Travel medical insurance for pregnancy – This type of coverage is for medical costs, related to pregnancy, incurred while you’re away from home.

Regardless of your destination, if you’re travelling while pregnant, it’s a good idea to have travel medical insurance.

Many insurance companies will not provide coverage for women who are in their third trimester because the costs associated with birth tend to be significant.

While some policies cover medical costs for a mother who has given birth, the coverage isn’t always extended to a baby born out of province.

Connect with a licenced broker to customize a policy that’s right for you. In order to be properly covered, it’s essential that you share with your broker your medical history.

Policies are available in various forms.

For example, you can secure travel medical insurance for a single trip or multiple trips.

Foreign students and temporary workers, who are ineligible for government coverage, can purchase what are called ‘primary insurance policies’.

To find out what coverage is right for you, connect with a licenced broker at DirectRate.ca.

We’ll answer any questions you have about your options and find you the best travel health insurance in Canada.