Introduction :
When Canada think about health insurance coverage is one thing that usually comes to mind is not travel insurance. But the fact is that almost all employees to plan and make a lot of individual health insurance plans that offer some sort of travel benefits.
So sit back, drink a cup of hot coffee, relax, and let's dive into this topic in detail!
What is Travel Insurance?
travel insurance plans offer travelers protection against unforeseen medical emergencies. It forms the core coverage, often called a "medical emergency". In addition to the emergency no health insurance as optional trip cancellation, trip interruption, lost baggage, baggage delay and flight accident. There are also plans a trip (good for one trip) as well as multi-trip plan (also referred to as the annual plan) that provides coverage for an unlimited number of trips per year.
Type the Canadian Health Insurance
There are two main types of private health insurance Canada: employee benefits and individual health insurance. employment benefits (also referred to as group insurance) is always offered through an employer. Usually companies will pay anywhere from 50% to 100% of the premium. individual health insurance (also referred to as person, or family, health insurance) is an individual, couples, single parents or family basis. Some private health insurance plans are guaranteed (eg requiring medical questions). Applications for the plan is borne either approved, rejected or have a counter bid. Other health insurance plans are guaranteed issue with no medical questions asked for. Price less the same as the plan is closed but there is less coverage.
Note that we are talking about private health insurance who need dental, drug and vision care prescription coverage. We are not talking about the provincial health plan (eg AHCIP, OHIP, etc.) that all Canadians receive.
Travel Insurance through Employee Benefit Plan
Almost all group insurance plan offers the benefits of travel insurance.
Usually the duration of coverage is 60 days, although the useful life of 30 days and 90 days there.
Most employee benefit plans offering travel insurance without a layover requirements. By this we mean that an insured person can travel for a while, back to Canada for the amount of time (eg several hours), and then begin to travel again to the duration of the coverage. For example, you have a 60-day travel insurance from your benefit plan. You can travel abroad for 60 days, returned to Canada for a few hours, and then travel abroad again for 60 days with full travel medical benefits.
Note that the group insurance only offers emergency medical benefits. We do not know a group insurance plan that offers travel insurance as an optional trip cancellation or lost luggage (optional benefit may be purchased as a stand-alone insurance).
Travel Insurance through the Health Insurance Plans Most private health insurance plans offer coverage incurred medical travel insurance. Some plans offer travel benefits as part of their core coverage, while others plan to offer travel insurance as an optional benefit.
health insurance plan issue will be guaranteed, on the other hand, usually not including travel benefits as part of their coverage.
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