The dream of an extended warm weather holiday beyond Canada can turn out to be a very expensive nightmare after long years of saving for traveling seniors who are approaching it unprepared and unaware. When you travel outside the country not having ample medical insurance, you are risking both physical and fiscal damage, says a travel consultant, who plans out travel insurance for the Canadian Snowbird Association. In the US, the manner they follow to adapt is checking the insurance card first before getting the pulse rate.
Experts who specialize in travel for seniors recommend they take the insurance document to their family doctor to ensure it covers what they think it does and that they understand the medical limitations. There are a host of things to look out for in terms of insurance, but you should always try to go with the Top 5 companies, he said.
He said if it is so good that you doubt it to be true, it normally is. An employee of a brokerage firm says that their company specializes in travel insurance, but finds it shocking that seniors often don't know much about their insurance.
Be careful that both spouses understand the terms and conditions of coverage. The company name is sometimes forgotten by the married couples. It is a risk indication should there be any of the spouse to display cluelessness about the coverage.
Such a critical matter is knowing the 1 800 number for their health policy and as using it immediately in case of emergency, as well as knowing the provincial health insurance numbers of their partner, reminded an official of a private health insurance association. A lot of built in peace of mind is carried by the number 1800, she said. A free writeup is provided freely by her group specially made for seniors who have intentions for traveling.
Just know how to see medical attention in your own language and you can do it even in a non English speaking or French speaking country. To get hold of that information, you put communicate with the international association through writing for medical assistance for travelers.
There is a big issue matching insurance together for Canadian seniors who wish to travel outside the country. The pre-existing conditions and restraints for qualifying for insurance have been significantly tightened over the last two to three years.
For the common travelling seniors, this implicates they can still avail of out of country insurance but the rates will be different. Foreign medical care given in provinces is yet another problem.
Quebec now pays $50 a day for foreign outpatient treatment, down from $61. Out of province medical coverage is very diverse. Varying by province, the rates are $75 a day for BC townspersons, $100 a day for Alberta and Saskatchewan townspeople, $280 to $570 on a leveled scale for Manitobans relative to the type of care needed and where it's provided, $400 a day for Ontarians, $100 a day for Quebec residents, $600 a day if you're from New Brunswick, $525 for Nova Scotians, $570 if you reside in P.E.I, and $350 for Newfoundlanders.
Staying out of your home province for more than 183 days will nullify your provincial coverage. You lose the private coverage as well if you lose this coverage.
A particular insurance company has products available at a 37 percent discounted rate. Smaller rates also mean lower expense, says the company president. Still about this company, they say they have insured close to two million Canadian travelers in 1995.
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