Travel insurance is a very demanding utility, while you are travelling across the borders to another country or even within the same country. It makes you secure in terms of the finances regards to your medical cover. Also includes, the loss of baggage, in case your baggage gets stolen or, something apart from the ordinary that can give you some kind of a loss. This loss can be regards to your health or even a loss to your property. People usually get travel insurance if they are travelling outside the country. However, some people also get travel insurance for their travels within their country. As Canada is a huge country covering a land which makes it the largest country in North America.
Insurance industry is a massive industry and the basic realisation is regards to the amount of the risks involved. This risk can be regards to potential risk to property. Alternatively, risks that can affect a person’s health condition. Vital decisions regards to the insurance amount to be paid depends on certain factors. One of them is how far you are going from your home? That is, the distance within Canada, but from one province to another. Secondly, how long you shall be away from your home province, i.e. 1 month, 3 months, 5 months or even 9 months. Time factor comes into play, especially regards to the period spent during travelling. Furthermore, what’s your mode of transport. Factors that are necessary in determining the insurance premium for your coverage.
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YOUR PROVINCIAL COVERAGE PAYS FOR SOME OF THE UNEXPECTED MEDICAL EXPENSES INCURRED:
The provincial coverage will be paying some of the unexpected expenses. But, not all of them. Ironically, they should be sufficient for the physicians or the hospital charges. Especially, in event of unforeseen sickness or an injury. However, having said that, private travel insurance maybe needed for other extra expenses. These expenses includes prescription drugs, ambulance services, & dental emergencies. Finally, having a medical transportation back to your own province. This can be in form of an air ambulance or any other medical transportation.
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NOT ALL PROVINCES AND TERRITORIES COVERS THE SAME PRESCRIPTION PLAN:
There are 13 provinces and territories in Canada. Hence, as a matter of fact not all the provinces and territories provides all the medicines. On top of this, some rare drugs may not even be present in some provinces. However, if there is no medicine available the travel insurance can provide coverage for these medications. Only in case of a doctor’s prescription for an unexpected sickness or an injury. Alternatively, it can also pay you to fly to your home at absolutely zero cost. Precisely, for the sake of drugs you need and as soon as you need them.
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THE PROVINCIAL HEALTH INSURANCE EXCLUDES NON-MEDICAL TRAVEL EXPENSES:
Talking specifically regards to the provincial health insurance. What it doesn’t includes are non-medical travel expenses. These are categorised as cancelled flights or even lost baggage. Ironically, both are part of the travel insurance plan. However, not part of the provincial health insurance plan which only should cover medical expenses.
Although, it’s true that the provincial health insurance covers many of the medical expenses that as a passenger you might incur. However, while travelling outside your home province there are some that aren’t covered. Hence, the gaps can be filled easily by topping them up with travel insurance.