Selecting travel health insurance
Carefully research your needs and verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada. Be sure to ask whether the plan covers pre-existing medical conditions. Ask the company to explain the definition, limitations and restrictions of any pre-existing conditions and tests and treatments you may have undergone.
When assessing a travel health insurance plan, you should ask a lot of questions.
Does the plan provide continuous coverage for the duration of your stay abroad and after you return?
Does it offer coverage that is renewable from abroad and for the maximum period of stay?
Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
Does it pay for foreign hospitalization for illness or injury and related medical costs and provide up-front payment of bills or cash advances, so you don’t have to pay out of your own pocket?