What insurance protects travelers and visitors?

Article Licenses: CA, DL, unknown
Advisor Licenses:

Compliant content provided by Adviceon® Media for educational purposes only.

These insurance plans can offer emergency medical protection for visitors, immigrants, international students and residents who are not covered by government health insurance. Visiting guests can be covered by valid medical health insurance, which begins upon arrival here insofar as it is bought ahead of travel.

Emergency medical expenses While travelling outside your country or locality, your government health insurance may partially cover some costs. Daily or annual coverage is great if you travel to warmer climates in the winter or travel year-round.

What about travel coverage? International travel covers an insured individual with emergency insurance which pays for expenses related to an emergency medical condition (covered by the plan). These expenses may be a hospital stay, prescription drugs, ambulance transportation, etc. Please refer to the policy for more details.

Coverage can include these expenses:

• Bedside companion travel and sustenance allowance
• Ambulance transportation
• Diagnostic (X-ray, lab tests)
• Hospital (semi-private room)
• Flight and travel accident coverage
• Prescription drugs
• Physician or surgeon
• Return transportation to the location of travel departure if emergency medical attention is needed
• Emergency dental treatment by a licensed dentist and associated cost of prescription drugs while the insured is travelling.
• Accidental injury, dismemberment, or death by accident where the accident occurred during travel
• Loss/damage of baggage and personal effects
• Trip cancellation and interruption

Understand the details. It is better to fill in a form and get a copy of the questions and answers within a contract pertaining to any age-related or medical underwriting processes, if not in person, via a digital meeting and signature. File these documents in case of the need to claim against travel insurance. Avoid policy cancellation due to misinforming the insurer concerning medical questions, which must reveal all medical history and medications used, plus retain a hard copy as your proof.

Note: Refer to the policy, which may vary. Individual plans may be purchased outside of an employer’s group plan.

The Advisor and Manulife Securities Incorporated, ("Manulife Securities") do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of the advisor or Manulife Securities. The information in this communication is subject to change without notice.

This publication contains opinions of the writer and may not reflect opinions of the Advisor and Manulife Securities Incorporated, the information contained herein was obtained from sources believed to be reliable, no representation, or warranty, express or implied, is made by the writer, Manulife Securities or any other person as to its accuracy, completeness or correctness. This publication is not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. This publication is not meant to provide legal or account advice. As each situation is different you should consult your own professional Advisors for advice based on your specific circumstances.