While we as U.S. residents think often about
travel insurance coverage when we're traveling overseas we're
not so quick to worry about health insurance for Canada travel.
This is especially true if our voyage to Canadian provinces is
by car and not by air. We don't expect to need health insurance
for Canada travel to protect us from exotic diseases or militant
uprisings.
Health insurance for Canada travel should not be ignored, however.
Your medical insurance provider in the U.S. will typically only
cover a medical emergency in Canada if the emergency was precipitated
in the U.S. and the nearest emergency medical care is Canadian.
This is especially true if you're a senior citizen whose only
form of medical insurance is Medicare. Health insurance for Canada
travel is, therefore, a must.
When you're shopping for coverage you'll want to consider several
things in your decision. They are: what is excluded from coverage
(what particular incidents and situations would your trip coverage
not reimburse you for); what sports you can participate in and
still be covered by your health insurance for Canada travel; whether
you might be excluded from coverage for a pre-existing condition?
and if there is a deductible?
The coverage that is customary is for hospital stay, although
the per day limitations and ceilings will vary plan to plan; medical
care, in-patient and outpatient, including physician fees, as
well as those for any nursing care, surgery or anesthesia; medical
testing such as x-rays and laboratory work; transportation to
or from medical care by ambulance; medical care provided by a
private RN (registered nurse); medical equipment such as wheelchairs,
walkers, splints and slings; prescription medicine; and the cost
of repatriation of the remains of a deceased member of your travel
group.
Probably the most crucial part of the plan
your choose for health insurance for Canada travel must be good
coverage in the case of an emergency evacuation back to your home
for medical reasons. This is especially true if you are traveling
by airline. The cost of changing travel plans, especially if you've
purchased non-refundable tickets and must now arrange a new flight
last minute can be exceedingly costly. Even from Canada, you must
assume a cost of $10,000 for this coverage alone.
Planning ahead by purchasing health insurance for Canada travel
will go a long way towards making your Canada vacation a serene
stay.
About the Author
Steve Cogger, an active traveler, has developed thehttp://www.1-Happy-Traveller.com"
target="_blank">1 Happy Traveller website for your convenience.
Visit today for all of your travel insurance needs.
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