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How do I pay for my health care when I travel outside of Canada?

Before traveling out of New Brunswick for vacation, tourism or any other purpose, you may need to buy New Brunswick travel insurance to take care of services not covered by New Brunswick Medicare.

To get more information about the type of insurance available to you when you travel out of New Brunswick or Canada, call the Canadian Life and Health Insurance Association (CLHIA).

Toll Free: 1-888-295-8112

In Toronto: 416-777-9002

What Does My Medicare Cover?

Coverage for unexpected events is necessary while traveling out of New Brunswick. You need coverage for medical emergencies, trip cancellation, multiple trips and so forth. Medicare covers you for medical and dental cases when you travel out of province or country but the coverage is limited and may not cover all of your health needs outside New Brunswick.

In other words, you may need to get additional coverage from private insurance providers for extra and more comprehensive coverage. Call Insurdinary for travel insurance quotes available to New Brunswick residents. When you call Insurdinary, we will connect you to insurance advisors who will guide you to choose the best New Brunswick travel insurance.

Medicare may provide coverage when you travel to other provinces and territories in Canada. When you obtain healthcare outside New Brunswick, the province pays an amount equivalent to what you will be charged for the same service in the province. Also, you need a Medicare health card to access health care even when in the province. An additional New Brunswick travel insurance may be required to cover emergency medical costs that are not pre-approved and not covered.

To read more about New Brunswick Travel Insurance, click here.

How Much New Brunswick Travel Insurance Do I Need When I Travel Abroad for Study?

You want to pursue an accredited full-time study or learning opportunity outside New Brunswick or outside Canada? You need to also plan for the appropriate New Brunswick travel insurance to add to your catalog. You need additional private medical insurance that caters to your needs but make sure you understand what the policy covers.

To get more information about traveling outside Canada, check the ministry’s Fact Sheet “Traveling outside Canada”.

To learn more about New Brunswick Travel insurance for students, click here.

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How Much New Brunswick Travel Insurance Do I Need When I Travel Abroad for Work or Business?

When you travel outside Canada for business purposes or work, additional private medical insurance or New Brunswick travel insurance may come in handy. You need to fully understand what New Brunswick Medicare covers especially when you leave the province in order to know what to expect from the coverage.

Check Medicare’s Fact Sheet to get more information about traveling outside Canada, “Traveling outside Canada

To learn more about New Brunswick Travel Insurance for employment or work, click here.

What is the latest in the New Brunswick Travel Insurance News?

In a recent poll carried out by Ipsos Reid for RBC Insurance in 2017, about 60% of Canadians planned to spend their vacation in Canada during the summer and 40% are planning to travel out of Canada, but only a few of them planned to buy travel insurance.

The poll is said to be accurate within about 2.9% percentage score, 19 times out of 20. It indicates that 50% of Canadians leaving their home province do not plan on getting travel insurance, and 46% of them said they are already covered by their provincial health care and therefore do not need insurance.

Yes, Canadians are covered for out-of-province travel but Stacey Hughes-Brookes, head of travel at RBC Insurance, said that there are gaps. Hughes-Brookes added that the government health care coverage will stop at the provincial border for some pricey services but it will follow you within the province for major medical expenses.

Moreover, in some provinces, the provincial plan does not provide coverage for emergency dental care, X-rays, ambulance transportation, prescription drugs and so forth. She added that some of those expenses could add up to thousands of dollars.

According to Robin Ingle, the president of Ingle International, you may be able to buy supplemental health insurance between $30 and $50 that will provide coverage for $5 million and $10 million if you are a Canadian under 60. Travel insurance usually has gaps. It is wise to read the policy carefully before purchasing. Hughes-Brookes added that travel insurance covers existing condition only when they are considered stable. Moreover, travel insurance does not cover airline overbooking, although some are insurers are looking into it but not yet.

To learn more about New Brunswick travel insurance news click here.

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