Crossing US border - auto/health insurance cover ?
#1
Forum Regular
Thread Starter
Joined: Nov 2007
Posts: 190
Crossing US border - auto/health insurance cover ?
Hi
how does this work when you cross for a day trip as against a proper holiday ?
if you plan to travel regularly do you need one of those "all year travel policies" to cover such trips ?
with the best will in the world accidents can happen so best to know the coverage issues
how does this work when you cross for a day trip as against a proper holiday ?
if you plan to travel regularly do you need one of those "all year travel policies" to cover such trips ?
with the best will in the world accidents can happen so best to know the coverage issues
#2
Re: Crossing US border - auto/health insurance cover ?
Some Provinces do provide limited coverage such as NS when you cross the US border, NB for instance...this is not so.
Here is a link to check provincial coverage:
http://www.healthquotes.ca/MSI-Nova-Scotia.aspx
Here is a link to check provincial coverage:
http://www.healthquotes.ca/MSI-Nova-Scotia.aspx
#3
Account Closed
Joined: Jul 2010
Posts: 31
Re: Crossing US border - auto/health insurance cover ?
Hi
how does this work when you cross for a day trip as against a proper holiday ?
if you plan to travel regularly do you need one of those "all year travel policies" to cover such trips ?
with the best will in the world accidents can happen so best to know the coverage issues
how does this work when you cross for a day trip as against a proper holiday ?
if you plan to travel regularly do you need one of those "all year travel policies" to cover such trips ?
with the best will in the world accidents can happen so best to know the coverage issues
#4
Forum Regular
Thread Starter
Joined: Nov 2007
Posts: 190
Re: Crossing US border - auto/health insurance cover ?
great answers - i'm thinking of Ontario
thanks for the info
i'll check the US cover with the Auto insurance
thanks for the info
i'll check the US cover with the Auto insurance
#5
Binned by Muderators
Joined: Jul 2007
Location: White Rock BC
Posts: 11,682
Re: Crossing US border - auto/health insurance cover ?
In BC our auto insurance is also valid in the US so no extra is needed. BCAA coverage is also good down south.
Provincial health insurance is also valid in the US but only up to the limit of costs in BC. So, if the MSP will pay a hospital in BC $1,000 to set a broken leg then this is all they will pay a US hospital. As most US hospitals charge waaaay more you are left with a bill for the balance.
Medical only travel insurance is not expensive. You would be foolish to cross the border without it.
Edited to add: most company extended health a benefit schemes include out of province medical cover so this is worth checking.
Provincial health insurance is also valid in the US but only up to the limit of costs in BC. So, if the MSP will pay a hospital in BC $1,000 to set a broken leg then this is all they will pay a US hospital. As most US hospitals charge waaaay more you are left with a bill for the balance.
Medical only travel insurance is not expensive. You would be foolish to cross the border without it.
Edited to add: most company extended health a benefit schemes include out of province medical cover so this is worth checking.
Last edited by JonboyE; Oct 17th 2010 at 4:06 pm.