Search
Recommended Products
Related Links


 

 

Informative Articles

Equitours: Worldwide Horseback Riding Adventures Change World Perceptions of the American Traveler
If you’re weighing the pleasures of tourism against the discomfort of going abroad at a time when our country seems widely abhorred, you might want to consider savoring a new way of traveling: on horseback If you’re weighing the pleasures of...

Getting a Bargain Vacation: Travel at the Off Times
For many people, a vacation is just too expensive. They don't think they can afford to go someplace nice because they don't have the money to do it. But often, this is just because they are looking only at the "peak" times to travel. What is a...

Travel to Shimla (india) at Cheap Price
Travel Shimla(india) at Cheap Price The British called Shimla the About the Author John D. Samara is a master degree holder in Journalism and Mass Communication.He is working as freelance article writer for various categories like ...

Traveling on a Budget? Try These Money-Saving Vacation Ideas
If your spirit of adventure is larger than your travel budget, these money-saving tips might just put your next vacation within reach. 1. Swap homes with other vacationers If you prefer to mingle with the locals rather than other tourists, look...

Why travelling in Autumn can be less of a headache
The dawn of autumn can leave many with a sinking feeling; the cold weather is on its way and there is nothing to look forward to before Christmas. Often going on holiday at this time of year is not something people consider - however there are...

 
Travellers: Make Your Health Policy Work For You


(NC)—The purchase of travel health insurance is a sensible idea for anyone taking trips outside Canada. If you get sick unexpectedly or have an accident while you are away, the health services in other countries are generally much more costly than those which OHIP covers. When buying your insurance however, it is important to take all the time needed to fully understand the coverage as well as the limitations of the policy. Be sure to determine your own needs first, say industry specialists, then read the policy thoroughly to be sure those needs are covered.

The Financial Services Commission of Ontario (FSCO) reminds the travelling consumer that it is not enough to simply buy travel health insurance; travellers must also know how the policy works and how to use it. FSCO is an agency of the Ministry of Finance that regulates Ontario's insurance industry. Its suggestions in this regard are based on records of what went wrong for others.

It is important for example, to compare the policies offered by different companies, not just for price, but also for the amount of coverage, pre-existing conditions, deductibles, limitations and exclusions. Your health, age, the medication you take, the length of your trip and the destination are all factors that affect the price of a policy and the types of medical costs your insurer will cover. In some cases you may have to find an insurer willing to write a policy tailored to your circumstances.

To better compare each policy before purchase, take a look at the Travel Health Insurance Policy Checklist, posted on the FSCO Web site. Here's a sample:


  • Compare the maximum each policy will pay above Ontario health plan limits.

  • Look for age limits or medical criteria that might apply to you.

  • Compare how the policies define terms such as pre-existing condition, or a medical exclusion. Do they affect your coverage?

  • Compare deductibles and/or co-payment clauses to understand your own obligation.

  • Compare


    payment procedures. Do you pay for the medical services first, followed by a reimbursement, or is the payment made directly from the insurer to the facility?

  • Check if policies require you to use "preferred" doctors and hospitals.

  • Are you covered for participation in the sports and activities you have planned, or are they excluded?

  • Can you buy extra coverage if you extend your trip?

  • What is the full package cost of each policy?


Don't forget, says FSCO, you may already have sufficient coverage from your credit card company or employee benefits plan. Don't buy more insurance if you are covered. Additional information on this subject is available online at www.fsco.gov.on.ca. Or, for a copy of their booklet Shopping for Travel Health Insurance phone (416) 590-7298 (Toll Free: 1-800-668-0128).

- News Canada

Editors, these articles are for use in Ontario only

News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.

News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.