Medical Travel Insurance

DESCRIPTION

What is Travel Medical Insurance?

Travel medical insurance is a specialized type of coverage that protects you from unexpected healthcare expenses while traveling outside your home province or country. Whether you're a visitor to Canada or a Canadian traveling abroad, your regular health insurance typically does not apply once you cross borders. Travel medical insurance fills this gap by covering emergency medical costs such as hospital stays, doctor visits, prescription medications, and even emergency medical evacuation. It’s designed to ensure that you can access quality healthcare during your trip without facing overwhelming out-of-pocket expenses.

Importance

Medical treatment in Canada can be extremely expensive for non-residents, and the public healthcare system doesn't cover visitors. Without travel medical insurance, even minor illnesses can lead to significant financial strain. For seniors and individuals with pre-existing conditions, the risk is even higher. Travel medical insurance helps you avoid unexpected costs, ensures access to necessary care, and protects your savings from being drained by sudden emergencies or trip disruptions.

COVERAGE INFORMATION

What does Medical Travel Insurance Cover?

Urgent Medical Treatment: This includes expenses for ambulance transportation, hospital admission, diagnostic tests, surgeries, and other emergency care you may need during your trip.
Medical Evacuation: If appropriate medical care is unavailable nearby, your policy covers the cost of transporting you to the nearest facility that can provide proper treatment. This may include air ambulance services when necessary.
Return of Remains: In the unfortunate event of death while traveling, the insurance covers the cost of transporting your remains back to your home country, easing the burden on your loved ones.

Routine Medical Checkups: Most providers will not cover unmprompted routine visits. This does not include checkups that are done due to any upcoming medical issue.
Cosmetic Procedures: If the individual insured desires to undergo any cosmetic surgeries (rhinoplasty, facelift, liposuction, blepharoplasty, etc.), most insurance providers will not cover it.
Pre-Existing Conditions: Most policies only offer coverage for pre-existing conditions if the patient's situation is stable at the time of insurance application and if there are no new health issues at the time of departure.
Dangerous Activities: Multiple insurance policies exclude coverage for injuries that are obtained through activities like skydiving, bungee jumping, extreme sports, etc.. If you plan on engaging in such activities, ensure your insurance plan provides coverage.

CRITICAL COMPONENTS

Travel Medical Insurance Criteria & Considerations

Pre-existing Conditions

Conditions like diabetes or heart issues can raise premiums or limit coverage.

Destination Country

Traveling to high-risk or remote areas typically increases coverage costs.

Trip Duration

Longer trips pose more risk and generally cost more to insure.

Age of Traveler

Older travelers are more likely to need care, leading to higher premiums.

Travel Purpose

Activities like skiing or scuba diving may require add-ons that affect cost.

Coverage Add-ons

Extra benefits like trip cancellation or evacuation increase overall pricing.

Why Choose Value Insurance?

Customers should choose Value Insurance because we make getting the right coverage simple, affordable, and stress-free. Founded by Amit Shahi, our Canada-based team goes above and beyond to tailor insurance solutions that fit your unique needs, ensuring you never pay more than necessary. With access to a wide network of top-rated providers, we deliver the best rates and options available—without the confusing jargon or hidden fees. Our friendly experts guide you every step of the way, giving you confidence and peace of mind that your protection is secure. At Value Insurance, your satisfaction isn’t just a goal—it’s our promise.

FAQ

Questions

Yes, you can extend your coverage as long as you request the extension before your current policy expires. Requesting one after expiration may require a reapplication.

Yes, travelers can buy emergency medical isnurance after entering Canada. However, most policies include a short waiting period before benefits begin, so it's best to confirm these details with the provider.

Some comprehensive travel insurance plans go beyond medical emergencies and include coverage for trip cancellations, delays, or interruptions. Be sure to review your policy's coverage details to know what’s included.

The length of coverage depends on your chosen plan. You can opt for a single-trip policy covering one visit, or a multi-trip plan if you expect to travel frequently within a year.

Yes, most travel insurance providers include emergency medical evacuation as part of their coverage, although the specific conditions and limits may vary.

Generally, yes. Many plans allow you to choose your doctor or clinic. However, using a provider within the insurer’s approved network can help streamline services and lower costs.

To file a claim, complete the insurer’s claim form and submit it along with all necessary documents. Your provider will review the information and follow up with a decision. If you're with Safe Insure, we can help by submitting your claim on your behalf.

Required documents typically include: a completed claim form; original receipts and medical bills; physician reports or prescriptions; proof of travel (boarding pass, visa, etc.); a copy of your policy. Some insurers may request additional documentation depending on your case.