HUB STRATA - Importance of Travel Health

For many people, travelling out-of-country or out-of-province is a common occurrence. A vacation is meant to be a time of fun and adventure. Unfortunately, unexpected sickness and injuries can happen at anytime. Before you venture, it is important to review your Travel Health benefits.

• Review your Travel Health plan for pre-existing conditions, clauses and stability requirements.
• Talk to your Doctor.
• Ensure your vaccinations are up to date and appropriate.
• Ensure you have all required medications for the length of time you will be away.
• Ensure your provincial coverage is in place and address/contact information is up to date. 
• Be aware of your trip limits - how long will your plan cover you for?
• Be aware of any Travel Health coverage exclusions or limitations, e.g. travelling when pregnant, alcohol consumption, etc. 
• Pack your travel insurance information (wallet card & booklet); along with emergency help numbers, your provincial health card and your family doctor's contact information. If you've lost your insurance information, get a replacement card.
• Let family members and travelling partners know the details of your travel insurance and where you have packed it. 

• Many insurers do not cover Travel Health expenses incurred if an individual is travelling to seek Medical Advice, a second Medical Opinion, Medical Treatment, Examination or Diagnostics of any kind, even if a medical emergency arises that is unrelated to the medical condition that is the purpose of the trip.
• Insurers may not cover dependents who are attending educational institutions outside the country. For example if you have a dependent child who is attending schooling outside of Canada, there may be no coverage in the event of a medical emergency.

When traveling, it is important to carry your benefit plan ID Card. Your card includes the toll-free numbers required to obtain assistance during a medical emergency. Contact the Travel Health provider first; prior to any care being received. Travel Health providers reserve the right to decline or reduce the amount of expenses covered if they are not contacted immediately. 

Be sure you understand your Travel Insurance coverage. For more information regarding your Travel Health coverage, contact your insurance carrier.