{"id":15549,"date":"2015-07-08T11:45:57","date_gmt":"2015-07-08T15:45:57","guid":{"rendered":"http:\/\/www.tripcentral.ca\/blog\/?page_id=15549"},"modified":"2015-09-02T16:15:06","modified_gmt":"2015-09-02T20:15:06","slug":"medical","status":"publish","type":"page","link":"https:\/\/www.tripcentral.ca\/blog\/travel-insurance\/medical\/","title":{"rendered":"Medical Insurance"},"content":{"rendered":"<h6><a href=\"http:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-16331\" src=\"http:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical.png\" alt=\"tripsense-travel-insurance-medical\" width=\"875\" height=\"218\" srcset=\"https:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical.png 875w, https:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical-300x75.png 300w, https:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical-768x191.png 768w\" sizes=\"(max-width: 875px) 100vw, 875px\" \/><\/a><\/h6>\n<h6><a href=\"#group-plans\">Medical Insurance: Group Plans<\/a><br \/>\n<a href=\"#credit-cards\">Medical Insurance: Credit Cards<\/a><br \/>\n<a name=\"group-plans\"><\/a><\/h6>\n<h3><\/h3>\n<h3><strong>Travel Medical Insurance: Group Plans<\/strong><\/h3>\n<p>If you have a group insurance plan at work and think you may be adequately covered for out of province medical insurance, here are the things you need to check\u00a0before you decline to purchase travel medical insurance:<\/p>\n<ul>\n<li>What are the limits of coverage for hospital\/medical insurance?<\/li>\n<li><span style=\"line-height: 1.5;\">Are there limits to the number of days you&#8217;re covered, maximum age requirements, and are all of your family members covered (if applicable)?<\/span><\/li>\n<li><span style=\"line-height: 1.5;\">If you have pre-existing medical conditions, how are they defined, what is covered and what is not?<\/span><\/li>\n<li><span style=\"line-height: 1.5;\">Are \u201cair ambulance\u201d and other related travel expenses (coming back home, bringing family members\u2019 bedside, hotel\/meal allowances) covered?<\/span><\/li>\n<li><span style=\"line-height: 1.5;\">Who is the underlying provider of the insurance, and do they have any restrictions such as only specific hospitals, etc?<\/span><\/li>\n<li><span style=\"line-height: 1.5;\">Do they have provisions to pay the hospital directly, or do you pay yourself and claim later?<\/span><\/li>\n<li><span style=\"line-height: 1.5;\">Do they require you first go to your provincial health authority and only then make a claim?<\/span><\/li>\n<li><span style=\"line-height: 1.5;\">What is the 800 number and worldwide collect number and policy\/plan number if in fact you are adequately covered and will need to make a claim?<\/span><\/li>\n<\/ul>\n<p>You can purchase our out of province medical insurance by speaking to your agent or clicking <a href=\"http:\/\/www.tripcentral.ca\/insurance\/\" target=\"_blank\">here<\/a>. If you or anyone in your travel party have <a href=\"http:\/\/www.tripcentral.ca\/blog\/insurance\/pre-existing-conditions\/\" target=\"_blank\">pre-existing medical conditions<\/a>, please speak to us <a name=\"credit-cards\"><\/a>first.<\/p>\n<h3><a href=\"http:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical-card.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-16334\" src=\"http:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical-card.png\" alt=\"tripsense-travel-insurance-medical-card\" width=\"875\" height=\"300\" srcset=\"https:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical-card.png 875w, https:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical-card-300x103.png 300w, https:\/\/www.tripcentral.ca\/blog\/wp-content\/uploads\/2015\/07\/tripsense-travel-insurance-medical-card-768x263.png 768w\" sizes=\"(max-width: 875px) 100vw, 875px\" \/><\/a><\/h3>\n<h3><strong>Travel Medical Insurance \u2013 Credit Cards<\/strong><\/h3>\n<p>There are many important fine print limitations to credit card insurance coverage, and very few credit cards have adequate coverage. Typically, if you have a premium reward points card, cash back card, low interest card, no fee card, or any other significant inclusions with your card, travel insurance is seldom covered.<\/p>\n<p>There are always age limits, maximum trip duration limits, and more. Often you will need to charge the trip to your card to activate whatever coverage is there, and you should check to see how it covers your family or travelling companions.<\/p>\n<p>Travel Medical Insurance for those under 60 years old is quite cheap, and it can be a real hassle to deal with a faceless credit card call centre for something as important as this. For those 60 and over, it\u2019s even more critical that you understand what you are purchasing, what is covered, and what is not. If you have pre-existing medical conditions, you need to be extra careful.<\/p>\n<p>Declining to purchase medical insurance is high risk. We\u2019re confident in the inclusions and limits of coverage as well as the claims process.<\/p>\n<p>If you would like to see if your credit card includes travel medical coverage, check out the <a href=\"https:\/\/insureye.com\/Canadian-Credit-Cards\" target=\"_blank\">InsureEye Credit Card Comparison tool<\/a>, and be sure to read the fine print.<\/p>\n<p>You can purchase our out of province medical insurance by speaking to your travel agent or clicking <a href=\"http:\/\/www.tripcentral.ca\/insurance\/\" target=\"_blank\">here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medical Insurance: Group Plans Medical Insurance: Credit Cards Travel Medical Insurance: Group Plans If you have a group insurance plan at work and think you may be adequately covered for out of province medical insurance, here are the things you need to check\u00a0before you decline to purchase travel medical insurance: What are the limits of [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":0,"parent":15539,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"page-full.php","meta":{"_lmt_disableupdate":"","_lmt_disable":""},"_links":{"self":[{"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/pages\/15549"}],"collection":[{"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/comments?post=15549"}],"version-history":[{"count":30,"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/pages\/15549\/revisions"}],"predecessor-version":[{"id":16335,"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/pages\/15549\/revisions\/16335"}],"up":[{"embeddable":true,"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/pages\/15539"}],"wp:attachment":[{"href":"https:\/\/www.tripcentral.ca\/blog\/wp-json\/wp\/v2\/media?parent=15549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}