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Medipac Travel Insurance Tips
"...it is strongly recommended that you purchase travel insurance when you travel outside of the province or country."
         - Ministry of Health and Long-Term Care
  1. Always read your Travel Insurance Policy (TIP), before making your purchase, and ensure you understand the coverages being offered, as well as the policy limitations and exclusions.

    At Medipac, we're proud of our TIP and always include it in our Travel Insurance Guide so Legion Members have the opportunity to review it before buying. Do not buy any plan without reading, and understanding, the policy first.

  2. Before you purchase a TIP, ask about the emergency assistance services - most assistance companies are disinterested third parties that route medical emergency calls to call-center clerks, rather than to real doctors and nurses.

    At Medipac Assist, medical professionals will answer your calls - much more expensive for us, of course, but we take our responsibilities seriously!

  3. Every TIP has limitations and conditions. Ensure you understand the Pre-existing Conditions, General Limitations and Eligibility clause of your TIP, and note that these conditions usually apply before your Departure Date, not when you bought the policy. If you purchase an annual multi-trip plan, these conditions apply to the departure date of each and every trip.

    If you find that you are not eligible for Medipac's Legion Annual Plan, or that you have a pre-existing condition for which you would like coverage - Call Medipac for a special quotation tailored specifically for your situation.

  4. Be aware of the maximum policy coverage and the currency. Many travel insurance companies offer limited coverage in Canadian dollars, while most travel insurance claims are settled in U.S. dollars. The Canadian Snowbird Association recommends a minimum coverage of $1 million USD.

    Medipac's maximum benefit is $2 million U.S. Dollars - double the CSA suggested amount!

  5. Many TIPs have different deductible choices. Deductibles are a good way to reduce your premium cost. However, only choose a deductible that you can afford.

    The Legion Annual Plan offers a deductible of $99 U.S. Medipac's other travel insurance plans, however, offer deductibles ranging from $0 - $10,000 U.S., with substantial savings! Always choose a deductible you can afford.

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