Why do people need coverage when traveling inside Canada?
- Many provincial hospital plans do not insure ambulance charges
- Family visitation
- Repatriation
- Return of vehicle
Coverage is essential to avoid unexpected expenses during travel.
Why do people need coverage when traveling outside Canada?
- Most provincial plans do not cover fees for injury or illness above prescribed amounts
This can lead to significant out-of-pocket expenses if medical care is needed abroad.
Who can purchase travel insurance?
- Individuals (business or pleasure travel)
- Families
Policies can be for single trips or annual coverage.
What are two requirements to qualify for travel insurance coverage?
- Must be a permanent resident of Canada
- Must be insured under provincial health care plan
Coverage extends even if the client is over 500 KM away from home.
When does travel insurance coverage start and end?
- Must be purchased prior to departure
- Single trip policies end upon return or after a maximum of 6 months
- Annual policies end upon return from a trip or at the end of the coverage year
Timely purchase is crucial for valid coverage.
Define insured.
- Insured applicant
- Their spouse
- Any dependent children
Insured applicants must be Canadian residents under 65 and covered by a provincial health plan.
Define dependent child.
- Natural child, stepchild, legally adopted child, or legal ward
- 20 years old or under, unmarried, receiving full support
- Less than 26 while unmarried, attending school
- Receiving support due to medical conditions, regardless of age
This definition ensures coverage for young dependents.
Define extended family.
- Any dependent child
- Spouse
- Parent
- Guardian
- Brother or sister
- Grandparent of insured applicant or spouse
Extended family members may also be included in certain insurance policies.
Define accident.
Any unforeseen and unintended occurrence due to an external, violent, sudden, fortuitous cause beyond insured control
This definition is crucial for determining coverage eligibility.
Define injury.
Any bodily injury caused by an accident occurring while the insured is covered
This ensures that injuries sustained during the policy period are eligible for coverage.
Define sickness.
Bodily sickness and disease contracted and commencing after the policy has been issued and while in effect
This definition is important for claims related to health issues.
Define hospital.
Any institution providing care for the sick, 24-hour nursing services, diagnosis, major surgery, excluding nursing homes and facilities for alcoholism or drug addictions
This ensures that only appropriate medical facilities are covered.
Define supervised conditions.
- Diagnosed medical condition requiring diagnostic testing or treatment
- Requires consistent treatment controlled with medication for:
- At least three months if under 60
- At least six months if 60 or over
- Medication for cardiac conditions within six months
This definition helps determine eligibility for coverage based on pre-existing conditions.
What types of teeth are insured?
- Sound teeth (natural parts, capped teeth, root canal treated)
False teeth and plates are not insured.
What currency is payment for travel insurance made in?
Canadian
This standardizes transactions for Canadian residents.
What is emergency hospital insurance?
Covers all hospital charges incurred while an in-patient
This includes expenses for staying in the hospital as an in-patient.
What is emergency medical insurance?
- Pays for outpatient emergency room charges
- Treatment by a legally qualified physician or surgeon
- Employment of a registered nurse (up to $5,000)
- Rental of medical equipment (wheelchair, cane, etc.)
This insurance covers a range of medical expenses incurred during travel.
Describe the types of drugs insured by travel insurance policies.
Prescription drugs prescribed by a doctor following an injury or illness incurred during the policy term
Over-the-counter drugs are not covered.
Explain emergency air transportation or unexpected return coverage.
- Covers expenses for the client, spouse, children, and medical attendant if returning home after illness or accident
- Pays for a spouse or child to travel to an injured insured person hospitalized for more than 7 days
- Up to $2,000 for return airfare of children needing care
This coverage ensures that families can reunite during emergencies.
What are the exclusions of travel insurance?
- Pregnancy
- War
- Suicide
- Criminal acts
- Participation in hazardous activities
- Expenses resulting from AIDS
- Abuse of alcohol or drugs
Understanding exclusions is crucial for policyholders.
Identify three hazardous activities in travel insurance policies.
- Hang gliding
- Parasailing
- Bungee jumping
Participation in these activities may void coverage.
