As Canadians, we often take our healthcare system for granted. We assume we’re always covered, as soon as we leave our home. But that isn’t really the case…
Why you need travel insurance within Canada
Provincial healthcare plans won’t cover you fully, once you leave your home province. They only cover certain costs, leaving you to pay the difference. If you’ll be travelling across Canada to visit family and friends this travel season, be sure you don’t leave home without travel insurance!
What your provincial health plan doesn’t cover
- Ambulance—ground, mountain and sea rescue
- Family member to bedside
- Medical equipment rental
- Prescription drugs
- Dental services
- Accommodation costs and meals for travel companions
- Escort of insured children home when you are hospitalized
- Return of vehicle
What your provincial health plan partially covers
- Emergency room fees
- Hospital fees
- Doctor visits
- X-rays and lab work
Traveller real-life example: $7,000 saved thanks to within Canada travel insurance
Bridgette* hit the slopes with her family; they’d been planning for it all year and were excited to visit BC for the first time. Unfortunately, Bridgette had a bad run and crashed into a tree, causing her to suffer traumatic injuries to her kidney. Bridgette had to be airlifted from the mountain to the nearest hospital the next town over. Due to some internal bleeding, the doctors kept her in the hospital for 5 days before releasing her. Quebec’s provincial health plan doesn’t include some out-of-province fees such as out-patient visits to the doctor, so Bridgette submitted her medical bills from BC, and was reimbursed by Claims at TuGo.
| Air ambulance fees | $6,296.60 | |
| Doctors’ fees | $624.69 | |
| Amount paid by TuGo | $6,921.29 |
TuGo’s multi trip annual worldwide travel insurance covers travel within Canada automatically
If you’ve already purchased multi trip annual worldwide travel insurance this year from TuGo, you’re automatically covered outside your home province for trips within Canada! What’s more, according to our Traveller policy, “coverage is automatically provided beyond the maximum number of days selected at the time of purchase but limited to the expiry date of the policy”. That means, if you purchased a 20-day trip length, for example, but you had a trip within Canada planned for 30 days, you’d be covered for that trip too, as long as your policy hasn’t expired. But to be sure, double check with your broker or policy wording for confirmation.
Safe travels,
Melissa
* Specific traveller details changed to protect privacy
