Above image credit: ameliaislandskydiving.com
I knew little about Travel Insurance a few months ago. We had always been covered through a comprehensive policy through work which covered any trips with a duration of under 60 days. In fact most people cover themselves either through work or with a short-term policy covering a 2-3 week holiday. That’s what we did in the past.
But what if you’re out of the country (or province) for over 60 days or, for that matter, over 6 months? In our case I’ve had people warn me that we will no longer qualify for provincial coverage after 6 months. Wrong. But how much does provincial coverage count anyway? I’ll explore that. I’ll also explain some basic concepts to protect you from the BS that you (might) get from private health insurance companies. Because willingly or unwillingly (because they have stupid and/or greedy people working for them), you might be quoted premiums for insurance that doesn’t fit your situation. I know that if I hadn’t gone the extra length in educating myself that we would have paid travel insurance premiums that are double what we ended up paying. I will also cover a different kind of travel insurance, that used to cover long-term travellers who are no longer covered by their provincial health insurance. [Read more...]