Out of country Travel Insurance or emergency medical is insurance which can pay for the medical expenses that result from an accident and or sickness occurring while outside the country.
Travel Insurance Coverage can include money for the treatment that results from the accident and or sickness, transportation back to Canada and the insurer may also provide funds help with various expenses related to the emergency.
The Most Asked About Travel Insurance FAQ’s
Coverage in group plans is usually for 30, 60, 90 days and with individual plans it is for the trip length you have bought.
It might cover a pre existing conditions, include a stability clause or exclude pre existing conditions. This is probably the most important section of your coverage to understand and relate it back to your situation.
The stability clause is the period of time in which a medical condition needs to be stable in order to be covered by the insurance. Many policies if they have a stability clause use 3 and or 6 months.
Policies vary but you generally see, 1 million, 2 million, 5 million and or unlimited. Some policies have lifetime claim limits.