NS Travel Insurance News
An expert says that every Canadian should learn about their need for travel insurance from the experience of an Alberta mother who faced a huge air ambulance bill after prematurely giving birth in Ontario.
When vacationing in Ontario in July 2015, Amy Savill went into labor. Sadly, the hospital did not have the capacity to handle a premature baby as hers and therefore had to airlift to a larger hospital in Sudbury. When Savill got the bill for the flight, she was dumbfounded and said it was in thousands of dollars. Savill said she never knew she would need travel insurance within Canada.
Savill whose family is in Nova Scotia travel the country often and has never purchased insurance. However, Ingle International’s CEO, Robin Ingle said that Canadians are not aware that their provincial plans do not cover their medical expenses when they travel.
He said that most Canadians do not understand that there are gaps in a lot of areas such as land ambulance, and air evacuations and in fact anything outside of core services is not covered by the provincial plan when you travel outside the province.
Medical costs outside the province are covered through reciprocal agreements between the provinces but each province has a different agreement. However, Canadians almost always have to foot the bill when it comes to air ambulances since they are run by private companies. Ingle advises Canadians to buy travel insurance when traveling outside their provinces in order to avoid a $30,000 air ambulance bill.
He added that it is easy to get such inter-province coverage even if you have an existing medical condition. However, he advised Canadians to add questions to make sure that they are covered for air evacuations. Also, employee benefit plans could include travel insurance but according to Ingle, such coverage may have restrictions as employers may require their employees to ask for permission before undertaking air evacuations.
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