Your vacation plans are in full swing, and you’re excited to head out on your next adventure – whether it’s your first trip in a while or you’re a frequent flyer, if you’re traveling outside your home province, make sure your plans include travel insurance!
Why should I buy travel insurance?
Emergencies can happen anywhere, but the cost of an emergency happening while you are travelling can be expensive. To avoid paying out of pocket for unexpected emergency medical expenses, always consider purchasing travel insurance.
Travel insurance plans cover Emergency Medical Care and Non-Medical Emergencies. If you are travelling outside your province of residence, your provincial health insurance may not cover the cost of your medical bills.
What benefits does travel insurance include?
Travel plans with Saskatchewan Blue Cross cover:
- Up to $5 million for Emergency Medical Care per trip, including coverage for hospitalization fees and professional fees for nurses, physicians and other health professionals for emergency medical treatment and care.
- Up to $2,000 for emergency dental treatment as a result of an accident.
- Transportation and out-of-pocket expenses for a relative coming to your bedside if you are hospitalized for more than seven days.
- Expenses for subsistence allowance, including accommodation costs in a commercial establishment, meals, essential phone call, taxi transportation and childcare costs for dependent children who accompany you on the trip.
- 24/7 access to Travel Assistance
- Trip cancellation or interruption
- Accidental death or dismemberment
- Baggage loss
*Always refer to your policy booklet for full coverage details and a listing of allowable expenses.
What should you consider when buying travel insurance?
When buying travel insurance, always look out for the following:
- Make sure the policy covers the specific risks and activities you plan to undertake on your trip.
- Check the limits and deductibles of the policy to ensure that they provide adequate coverage and are within your budget. All travel policies define their requirements for eligibility. They also have certain limits on benefits and maximum amounts for certain types of claims, such as trip cancellation or interruption.
- Review the policy’s exclusions, which are situations or events that the policy does not cover, to avoid surprises later. Claims generated by activities such as skydiving, bungee jumping, alcohol or drug abuse may not be payable. It is important you read and understand the exclusions and limitations; as travel coverage covers unexpected emergencies only.
- If you have any pre-existing medical conditions, make sure the policy covers them or that you purchase additional coverage to protect against them.
What do I need to know about pre-existing conditions?
Most travel insurance policies include an exclusion for pre-existing medical conditions. If you have a pre-existing medical condition, it’s important that your condition is considered stable. This means that in the specified period prior to departure:
- there has not been any new treatment prescribed or recommended, or change to existing treatment (including a stoppage of treatment)
- there has not been any change to any existing prescribed drug (including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription drug
- there has not been any new, more frequent, or more severe symptoms
- there has been no hospitalization or referral to a specialist
- there have not been any tests, investigation, or treatment recommended but not yet complete, nor any outstanding test results, and there is no planned or pending treatment.
Insurance is assurance – providing you with peace of mind, so you can focus on enjoying your trip!
Saskatchewan Blue Cross’ travel plans provide customized coverage for trips outside of Saskatchewan. Whether you’re taking an international adventure, visiting family or just exploring Canada, coverage options are available under the Annual, Individual, Package Plus and Canada Package Plans. For more details on Saskatchewan Blue Cross Travel insurance packages visit sk.bluecross.ca/travel, contact your local insurance broker or get in touch with us at 1-800-667-6853.