Are you planning to take a trip this winter? Whether you’re planning to head to another province, for a quick trip to the US or further abroad to warmer southern climates, you’ll want to add travel insurance coverage to your travel checklist. If you’re travelling with family, a family travel insurance plan is a comprehensive and economical option offered through our travel insurance partners TuGo.
If you or your family have an accident or a medical emergency while you’re travelling, even within Canada, it can be costly and stressful. Having a comprehensive travel medical insurance plan will protect you financially by covering costs for doctors’ visits, hospital stays, prescriptions and more.
Many Canadians believe that if they go on vacation anywhere in Canada, they’re fully covered by their provincial healthcare plans. However, you may be surprised to hear that if a medical emergency happens outside your home province, provincial healthcare only covers certain costs, leaving you to pay the difference.
Here’s an example:
45-year-old Martin, from Lethbridge, traveled to Winnipeg for business. During a meeting, he experienced severe abdominal pain. An ambulance took him to the nearest hospital, where doctors discovered he was having an acute gallbladder attack. He required immediate surgery! After two days in hospital, Martin was discharged. As he wasn’t medically fit to drive, he flew back to Lethbridge. In this instance, TuGo arranged the return of his vehicle home.
Luckily, Martin was covered by travel insurance; otherwise, he would have been on the hook for $2,625.31 just for the ambulance and return of his vehicle! These are not costs that provincial healthcare plans cover.
Here’s a real-life example of how travel insurance helped Isaac and his family when he was hospitalized in California:
Isaac was on a family vacation in California when he fell into a swimming pool. After several minutes, his father came out looking for him. One family member performed CPR while another called an ambulance. Isaac was rushed to the children’s hospital where he was kept for observation overnight. Luckily, he suffered no ill effects and the family enjoyed the rest of their trip.
Ambulance fees $1,200.18
Hospital fees $16,231.44
Doctors’ fees $1,675.54
Radiology fees $327.41
Provincial healthcare $114.57
Amount paid by TuGo $19,320.00
Without travel insurance, Isaac’s family would have had to cover those costs and navigate a foreign medical system, making an already stressful situation, worse.
What are the benefits of a family travel insurance plan?
A family Emergency Medical Travel Insurance plan provides all the same benefits of an Emergency Medical plan with some added value:
Costs less — If you’re travelling in a family of 2 or more, family travel insurance is the most economical option. The more people in the family, the better the savings.
Travel together or separately — With Multi Trip Annual Travel Insurance, family members don’t have to travel together or even leave their home province at the same time.
Single trip or annual trip coverage options:
Single: If you only take one trip per year, this option makes the most sense.
Annual: If you travel more than once a year, go for this option. Choose the trip length that works best for you and take as many trips as you like all year.
Insider’s tip: Get a Multi Trip Annual family plan to make things even easier. This way you and your family can travel together or separately as many times as you want during the year and not have to worry about travel insurance. You can choose to have your policy automatically renew yearly, so you’ll be continually covered and won’t have to worry about your coverage expiring. Because we know that if you have a family, you’ve got plenty of other things to worry about.
Still not sure if a family plan is right for you? Call, come in or email your broker today to start a conversation….