MEDIPAC TRAVEL HEALTH INSURANCE TIPS
"Coverage for out-of-country health care services is limited; you should purchase supplementary insurance." - Ministry of Health and Long-Term Care
- Always read your Travel Insurance Policy, 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 Travel Insurance Policy and always include it in our Guide so clients have the opportunity to review it before buying. Do not buy any plan without reading, and understanding, their policy first.
- Before you purchase, ask about the 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, of course, but we take our responsibilities seriously!
- Every Travel Insurance Policy has limitations and conditions. Ensure you understand the Pre-existing Condition Clause of your Travel Insurance Policy, 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.
Medipac's 90-day stability period and clause wording combine to be one of the fairest and most liberal Pre-existing Condition clauses in the industry.
- Be aware of the maximum policy coverage and the currency. Many travel insurance companies offer limited coverage in Canadian dollars; whereas, most travel 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!
- Many Travel Insurance Policies have different deductible choices. Deductibles are a good way to reduce your premium cost. However, only chose a deductible that you can afford.
Medipac offers deductibles from $0 - $10,000 USD, with substantial savings! See the other sections of this Guide for details, but always choose a deductible you can afford.
- If you will take more than one trip during the upcoming year, consider purchasing an annual multi-trip plan, rather than applying for travel insurance before each trip.
Medipac's Annual Add-on is perfect for seasoned and regular travellers who travel more than once in each year and the cost savings can be dramatic for the frequent traveller!
- If your upcoming birthday places you in the next higher age bracket, your premium can increase by 20-60%.
You can save money by departing earlier than planned, prior to your birthday. Even if you purchase a longer trip, your premium may be lower, because you can now use a less costly age band.
- A dangerous practice is to refuse treatment or not change a drug, at your doctor's recommendation, because you think it may affect your insurance.
This does not work. If a doctor recommends a change in drugs, and you do not accept that change, the insurance company will treat this as an unstable pre-existing condition. A claim will not be paid for that condition. Please, just do what your doctor recommends and do not sacrifice your health for insurance reasons. Medipac can often provide full coverage if you contact us and explain your situation.
- Some snowbirds leave a few days earlier, or return home a few days later, than they originally expected without advising their insurance company. They do not realize that, statistically, the two highest incidences of claim are at the beginning and at the end of trips.
This means no insurance protection when it is needed the most. Many insurance plans will void your insurance if such information is withheld. Call your insurance company if you have a change of plans.
- Many Travel Insurance Policies require proof of departure and return. Purchases at "Duty Free" and using credit cards or cash debit cards on your last day at home and first day away are convenient ways of establishing a record that can be retrieved later.
Medipac recommends using a passport for all your travels, and asking that it be stamped on entering and leaving any country.
That's indisputable proof!