Travelling Soon? Do you have Emergency Medical Insurance?
Before leaving on a trip people seldom confirm if they have travel insurance.
OHIP only covers emergency health services at very limited rates. For example, an outpatient visit to a U.S. emergency room may cost thousands of dollars for the duration of your care, however OHIP will only reimburse up to a total of $50.00 CDN per day for this service regardless of the severity of the situation. If you plan to travel outside of Ontario, it is strongly recommended that you obtain additional private medical insurance and fully understand what your policy covers.
If an injury or illness occurs without insurance you will have to endure the burden of the cost. This situation is best remedied by purchasing an annual travel insurance plan.
Plans can be purchased with the following durations 4, 10, 18, and 30 days meaning you have coverage year round and do not have to re-purchase for each trip. Emergency medical coverage covers you up to $10,000,000 for expenses as a result of emergency medical attention required during your trip. This can be upgraded to an All-Inclusive Plan which includes, Trip Cancellation & Interruption, Baggage Loss, Damage & Delay, Flight Accident and Travel Accident. An Example premium for a 25 year old for a 18 day trip plan would be $86 annually for Emergency Medical and $258 for the All-Inclusive plan.
While away from home no one expects to sprain an ankle or get food poisoning, but it does happen. It is best to be prepared with an annual Emergency Medical insurance to protect against any potential disruptions on your trip.
Call us at 1-800-263-1032 or visit our website to purchase this coverage.
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