Having the right kinds of insurance before you fly out of Canada is imperative. Not just health insurance, you should also get cover for lost luggage, trip interruptions, and documents replacement.
Before you go ahead with buying a policy, ascertain your requirements first. Now, go through each policy carefully and check its terms and conditions and limitations and exclusions.
Find out the following:
You must go through all the fine print and terms and conditions of the insurance policy carefully. If you are unclear about anything in particular, ask for assistance.
Always provide clear and accurate information to the insurance company. In case of any queries, contact the company and ask for clarifications in the written format.
In case you require medical help, get your insurer’s approval first.
Almost all travel health insurance plans exclude the following:
Take a comprehensive report and invoice from the doctor or hospital you got medical treatment from. It can be really difficult to obtain the same later on, once you are in your home country.
You must submit all the original documents and receipts from the medical care you received in the foreign country. You can keep their copies for your files.
Remember to take along the insurance information while traveling. You can ask a friend or family member to keep a copy with them while you are abroad.
It is always better to check all the travel advisories issued by your country for your destination country before you leave. In case your home country has issued a Travel Advisory for your travel destination, the insurance company may not pay for the claim.
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