Monday, February 7, 2011

Canadian Travel Medical Insurance And You

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Canadian Travel Medical Insurance And You


by Adriana Noton


Visitors to Canada fin fun, excitement and opportunity. Unfortunately, they also find accidents and illness. It is a fact of life. Canadian travel medical insurance is ample to cover medical needs. There are different types of plans from different companies to benefit the traveler to Canada. There are also some important details to keep in mind on exclusions and exceptions.

Canada is a popular destination point for tourists and travelers. Its stunning sights an interactive features make for a special experience for any traveler. There are also many opportunities for laborers and professional workers. Unfortunately, many things happen while traveling that may require a voyager to seek medical attention. From broken bones to unexpected illnesses, the human body is still susceptible to harm even when on the road.

Many visitors believe that they are covered by the universal health care system in Canada. However, is only for citizens of the country. Foreigners who visit and need a doctor will be charged for services rendered. These can be quite costly if there is no insurance plan in place.

There are various types of travel health insurance available for Canada. Many companies offer special plans for visitors to Canada. These plans are accepted in the medical system in Canada and will significantly reduce your costs for medical treatment.

These plans have requirements in order to take advantage of their privileges. One is you must not be covered by any other plan in Canada. Also, you must not have been in Canada for more than two years upon time of coverage. In addition, you must be in good medical condition at the time of application for the insurance.

The different types of benefits these plans offer can vary, depending on the premium your paying and the company. Also affecting the plan is the type of traveler you are. For example, there are student travelers, business and work traveler as well as leisure travelers. Each has a plan dedicated to them.

There are different amounts of coverage to choose from. Most plans will only insure you for up to 150,000 dollars. The common minimum is 25,000 dollars. As far as deductibles are concerned, expect to pay anywhere from zero to 1000 dollars to activate the policy.

All plans will most likely cover all emergency services, from the ambulance that transports you to occupying space in the emergency room and the emergency attention you receive there. In addition, most companies will allow for getting you home, alive or deceased and will pay out claims for accidental deaths.

There exist some peculiar time restrictions that you should know of. For example, your coverage may not begin until up to after the first 72 hours of your arrival. Another example is the length of coverage. None will last more than a year and some expire after 180 days. It is important to check the details of your plan for more information on these restrictions and their exceptions.

Its beauty and opportunity make Canada a very popular visitor destination. For those visitors who suddenly need to seek medical help, Canadian travel insurance is available. There are a number of plans and companies ready to afford ably help get you the coverage appropriate for you.




About the Author:

Offers travel insurance service if you are a visitor to Canada, a Canadian expatriate traveling worldwide, or a Canadian considering a trip abroad, and require insurance for visitors to Canada / visitors to Canada medical insurance.

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