Purchasing Pre-Existing Condition Travel Insurance In Canada
By Krista DeKuyper | January 25, 2023 |
Travelling with pre-existing medical conditions can be a stressful experience, especially if you’re not aware of the pre-existing condition travel insurance available to you in Canada. Pre-existing condition travel insurance helps protect travellers from unexpected costs associated with pre-existing medical conditions while travelling abroad. It is important that Canadian travellers understand the different types of pre-existing condition travel insurance and how to purchase it before they embark on their journey. This article will provide advice on what to look for when purchasing pre-existing condition travel insurance and tips for getting the best coverage possible in Canada.
Pre-existing condition travel insurance in Canada
Pre-existing condition travel insurance in Canada is essential for anyone with pre-existing medical conditions who plans to travel abroad. It provides financial protection in the event that medical treatment or services are required due to pre-existing conditions that arise suddenly while travelling. This type of insurance covers the costs of medical care, hospitalization, and even repatriation if necessary. It is important to note that pre-existing conditions must be declared when purchasing pre-existing condition travel insurance. Otherwise, the policy may not be valid.
Types of pre-existing condition travel insurance in Canada
There are two types of pre-existing condition travel insurance available in Canada: primary and secondary. Primary pre-existing condition travel insurance is the most comprehensive coverage available and covers pre-existing medical conditions for the entire length of a person’s trip.
Secondary pre-existing condition travel insurance provides limited coverage for pre-existing conditions and only kicks in after primary insurance has been exhausted. It is important to note that pre-existing condition travel insurance can also provide coverage for pre-existing medical conditions acquired during the trip, such as a cold or flu.
How to purchase pre-existing condition travel insurance in Canada
Travelling with pre-existing conditions can be challenging, but pre-existing condition travel insurance can help provide additional protection and peace of mind. Purchasing pre-existing condition travel insurance in Canada is a relatively straightforward process, and several types of pre-existing condition coverage are available.
When purchasing pre-existing condition travel insurance in Canada, the first step is identifying what type of coverage you need. Several types of pre-existing condition insurance are available, including medical evacuation and repatriation, trip cancellation and interruption, and pre-existing condition waiver coverage. Some pre-existing condition policies provide additional coverages, such as emergency dental or vision services.
You can purchase pre-existing condition travel insurance directly with a carrier such as Manulife or Allianz. You can also purchase it through an insurance broker. Insurance brokers specialize in helping you find the pre-existing condition coverage that’s right for you and your travel needs.
When purchasing pre-existing condition travel insurance, it’s important to read the policy carefully and ask questions about any unclear terms or conditions. You should also make sure that you’re purchasing pre-existing condition coverage from a reputable carrier or broker.
It’s also important to compare pre-existing condition travel insurance policies and look for any additional coverages or services that may be included in the policy. Some pre-existing condition plans may offer more comprehensive coverage than others, so shopping around is important.
Most popular pre-existing condition travel insurance in Canada.
Manulife TravelEase
When you’re travelling with a health condition, the last thing you want to worry about is whether or not you’ll be covered if you need emergency medical care. TravelEase travel insurance offers coverage for many pre-existing conditions that other providers may not, so you can access emergency medical care when you’re away from home.
You can get up to $5 million in emergency medical coverage which includes:
- Physician services
- Ambulance transportation
- Hospitalization
- Prescription drugs and more
Pre-existing condition travel insurance is an important tool to have when travelling in Canada, especially if you have pre-existing medical conditions. It can provide peace of mind and financial protection that may not be available through your regular health insurance plan. When purchasing pre-existing condition travel insurance, make sure to compare policies carefully, read all terms and conditions thoroughly, and ask questions about any details that are unclear. With a little bit of research into pre-existing condition travel insurance options in Canada, you can ensure that you get the best coverage possible for your unique needs.
If you want to compare travel health insurance plans, use our instant quoting tool! With no sales pressure, you can freely look at the carriers and plans that fit your needs.
