Here’s something to consider:

For every 100,000 traveler in any given month

50,000 will experience a health problem

8,000 will need a doctor

5,000 will be confined to a bed

300 will be hospitalized

50 will be air evacuated

ONE will DIE

Travelers need to understand not only the need for emergency medical insurance, but to KNOW what they are purchasing, the coverage, definitions, and any exclusions. Too many people tend to wait until the last minute to get travel insurance and don’t take the time to find out exactly what the policy covers or what to do once they are in another country and need to go to a hospital

Most policies require no change in a person’s health for at least 60-days prior to travelling. Even a change of medication, higher or lower, may mean a person’s health is not stable and therefore any resulting “medical situation” runs the risk of being denied. The U.S., where many Canadian snow birds spend the winter, is the world’s most expensive health-care system. A significant medical emergency can cost US$10,000 a day.

The customer has the responsibility to provide

  • accurate information,
  • understand their policy,
  • travel with proof of insurance, and
  • notify the travel insurance provider when a claim situation arises.

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