When traveling out of the country you need to ensure that you and your family are protected in an emergency. Most Canadians have or purchase travel insurance. It covers them for emergency medical situations and trip interruption. So, what is medical travel complications insurance and how it is different from travel insurance? Although travel insurance and medical travel complications insurance may sound similar, those two insurance products are very different. They differ in who uses them, why and what is covered. Here is a little bit of info about both.
Standard Travel, Trip Interruption and Out of Country Medical Travel Insurance Policies
This type of insurance protects travelers for emergency medical issues, such as hospital, medical and paramedical, trip cancellation or interruption, lost or delayed luggage, and accident coverage, such as death or losing a limb. It is widely available and easy to obtain in most cases. Many companies in Canada and the USA offer policies to cover travelers outside of the country, travelers coming to the country and international students.
The main purpose of this insurance is to protect yourself and your family in case something unexpected comes up. Some of the companies also offer additional coverage services in case of a political unrest or natural disaster in the travel destination country. If you have a stable pre-existing condition you may also purchase coverage for an unexpected flare-up of the disease. Otherwise, it is extremely hard to find medical coverage for a disease that is not under control.
If you are traveling to receive medical treatment in another country, this insurance will not cover anything related to complications from your procedure.
Medical Travel and Complications Insurance
You will want to protect yourself in case something goes wrong when you travel outside of your home country for a surgery or medical treatment. All surgeries carry risks and you first should discuss those with your surgeon. Ask them how many cases they had that resulted in a complication or re-admission and why that occurred. It will give you a better idea of how to handle risk for your own surgery.
Even low-risk surgeries are not 100% risk-free. Usually, it is the client receiving treatment who is also responsible for all costs if a complication is to occur. Those costs can be high. Getting a medical complication insurance will provide you with a piece of mind and cost protection. All extra medical expense resulting from a complication will be covered.
It is an added bonus that the companies issuing medical complication insurance are experienced in their field. The will only ensure procedures at a reputable hospital and with a skilled surgeon. We have all heard of horror stories of people receiving bad care while abroad. Your facility will be double vetted – by your medical facilitator and your medical travel complication insurance company.
If you plan to have a surgery outside your home country, give Health Vantis a call and we can help you with obtaining a medical travel and complication insurance. Toll-free 1 877 344 3544 or email firstname.lastname@example.org