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Travel Tips


Make sure your travel health insurance protects you


Many people who buy extra insurance before they travel discover medical expenses incurred on their trip are not covered


By Tania Moffat


cent of Canadian travellers still do not buy any type of travel insurance.


W Tose people who do purchase insurance need to make


certain that what they purchase meets their needs, and that they understand the limitations of the policy and their re- sponsibilities.


Concentrate on coverage


“One of the biggest mistakes travellers make when buy- ing insurance is focusing on price,” says THIA of Canada vice president Alex Bittner. “Although we’re all looking for great value when shopping for travel insurance, we need to consider coverage before price. Once a traveller has satisfied their needs, price becomes secondary to responsible cover- age.”


Manitoba Health does cover some insured health services


for Canadians travelling within this country’s borders but still recommends travellers purchase additional insurance to ensure full coverage. “Generally, the Canada Health Act allows for portabil-


ity of our health care inter-provincially; however, there are some gaping holes,” cautions Bittner. “For example, local land ambulance and air ambulance services are not fully covered in the event of an emergency outside our province. An air ambulance from Manitoba to Newfoundland would cost around $30,000 – not covered by our government health insurance.” Services such as emergency dental, chiropractic, podia-


trist or physiotherapy are not covered for emergencies even within Canada; neither are trip interruptions or cancella- tions. “Inter-provincial travel insurance is inexpensive and should not be ignored,” states Bittner.


84 • Fall 2015


Don’t forget to purchase travel insurance. Study the fine print


For people travelling outside Canada, Manitoba Health


offers only minimal coverage. Te amount, according to THIA, is about nine per cent of the expenses that you would incur if you require medical attention. With the increasing costs of medical procedures worldwide, proof of insurance ensures the traveller receives the treatment needed; in some cases, it is even required for entry into a country. While most Canadians do purchase additional insurance


before travelling abroad, many people make the surprise discovery that they are not covered for the medical expenses incurred on their trip. Travellers purchasing health insur- ance need to be well informed about their coverage in order not to get tripped up by the fine print. First and foremost, Canadians need to know the details


The Hub


hile most travellers purchase travel health insurance before going on a trip, a recent study done by the Travel Health Insurance Association of Canada reveals that 35 per


Photo by Jonathan Lonsdale.


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