Tips to Consider When Buying Travel Insurance
While the phrase “Snow Day” may delight your children, it may also get you thinking about a trip down south to enjoy some well-deserved warmth and relaxation. Whether you are a senior looking to spend a good majority of our winter down south or a family escaping for the March Break, making sure you have sufficient travel medical insurance is an important step of any pre-trip planning.
What is Travel Insurance?
In general, travel insurance is designed to cover trip cancellation, lost luggage, flight accidents and, most importantly, medical expenses incurred while travelling. Medical emergencies are often unexpected and costly while in a foreign country and though OHIP may pay for a portion of out-of-country expenses, this amount will usually be nowhere near the actual cost of the services you have incurred. Visit the Ontario Ministry of Health and Long-Term Care website for more information about how much and when OHIP will cover out-of-country medical expenses.
It is extremely important to know what type of travel insurance you have purchased and what it will cover for you. Ontario’s injury lawyers offer the following tips:
- Since each policy of insurance is unique, you should review all the available options with a broker or insurance representative knowledgeable in travel insurance.
- Read and understand all the various restrictions and exclusions in the travel medical policy you are considering before you make a purchase.
- Fill out any medical questionnaire honestly and carefully. If you don’t understand what is being asked, speak to your broker or insurance representative about what the question is asking, especially in relation to pre-existing medical conditions. In some cases, it may be helpful to visit with your treating physicians to make sure you are filling out the form correctly.
If your insurance company is refusing to pay your travel insurance claim, our team of experienced personal injury lawyers may be able to help. Call us at 1-800-563-6348 or fill out our online form for a free initial consultation with one of our lawyers.