Medical Insurance or Travel Insurance
Aug 27th 2018, 9:18 am
#1
Forum Regular
Thread Starter
Joined: Oct 2017
Location: Eastern Shore NS
Posts: 41
Medical Insurance or Travel Insurance
We have been in Canada now for almost a year over all, returning regularly for at least a fortnight to the UK every three months while waiting patiently for our sponsorship application to go through.
I have made sure that we have been covered with travel insurance every time we have entered Canada to cover at least 5M medical expenses. A friend over here told me that it is possible to just buy emergency medical cover which would make sense, why bother with all that baggage and cancellation cover?
I've looked online and asked for quotes, but it seems that traditional UK travel insurance (out of country) still seems cheaper than getting a Canadian insurance company to cover us for just medical alone? Am I looking at the wrong thing?
Does any one have any advice?
Neither of us have any existing medical issues, and I only expect to cover emergency situations.
Many thanks.
I have made sure that we have been covered with travel insurance every time we have entered Canada to cover at least 5M medical expenses. A friend over here told me that it is possible to just buy emergency medical cover which would make sense, why bother with all that baggage and cancellation cover?
I've looked online and asked for quotes, but it seems that traditional UK travel insurance (out of country) still seems cheaper than getting a Canadian insurance company to cover us for just medical alone? Am I looking at the wrong thing?
Does any one have any advice?
Neither of us have any existing medical issues, and I only expect to cover emergency situations.
Many thanks.
Aug 27th 2018, 11:02 am
#2
Banned
Joined: Apr 2009
Location: SW Ontario
Posts: 19,879
Re: Medical Insurance or Travel Insurance
We have been in Canada now for almost a year over all, returning regularly for at least a fortnight to the UK every three months while waiting patiently for our sponsorship application to go through.
I have made sure that we have been covered with travel insurance every time we have entered Canada to cover at least 5M medical expenses. A friend over here told me that it is possible to just buy emergency medical cover which would make sense, why bother with all that baggage and cancellation cover?
I've looked online and asked for quotes, but it seems that traditional UK travel insurance (out of country) still seems cheaper than getting a Canadian insurance company to cover us for just medical alone? Am I looking at the wrong thing?
Does any one have any advice?
Neither of us have any existing medical issues, and I only expect to cover emergency situations.
Many thanks.
I have made sure that we have been covered with travel insurance every time we have entered Canada to cover at least 5M medical expenses. A friend over here told me that it is possible to just buy emergency medical cover which would make sense, why bother with all that baggage and cancellation cover?
I've looked online and asked for quotes, but it seems that traditional UK travel insurance (out of country) still seems cheaper than getting a Canadian insurance company to cover us for just medical alone? Am I looking at the wrong thing?
Does any one have any advice?
Neither of us have any existing medical issues, and I only expect to cover emergency situations.
Many thanks.
You will struggle to find a UK insurer that will allow you to purchase whilst overseas and after your 'trip' has started.
The one aspect that an UK insurer will cover that a Canadian one won't is repatriation - which might be of use should something serious occur.
You could try some of the companies listed in our excellent wiki: https://britishexpats.com/wiki/Medical_Insurance-Canada
Which Province are you in? Do you have a temporary work permit by chance, or are you here purely as visitors?
Last edited by Siouxie; Aug 27th 2018 at 11:05 am.
Aug 27th 2018, 3:50 pm
#3
Joined: Sep 2008
Posts: 12,830
Re: Medical Insurance or Travel Insurance
Travel insurance and travel medical only offer coverage for trips away form where you are ordinarily resident. It starts on the commencement of the trip and ends on arrival at the destination. You may want to look at Blue Cross medical, you do also need provincial healthcare. I doubt any policy you buy in the UK will cover medical in Canada if you ordinarily reside here. You may want to check with brokers to be sure. No pint buying insurance to find when you need it cover is refused.
Aug 27th 2018, 4:56 pm
#4
Banned
Joined: Apr 2009
Location: SW Ontario
Posts: 19,879
Re: Medical Insurance or Travel Insurance
Travel insurance and travel medical only offer coverage for trips away form where you are ordinarily resident. It starts on the commencement of the trip and ends on arrival at the destination. You may want to look at Blue Cross medical, you do also need provincial healthcare. I doubt any policy you buy in the UK will cover medical in Canada if you ordinarily reside here. You may want to check with brokers to be sure. No pint buying insurance to find when you need it cover is refused.
The one that may have was DownUnder Emigrants Insurance (linked to in my post upthread) which you can purchase as a 'one way' trip insurance with an additional up to 3 months of medical cover when in Canada. No good now though as the OP is already here.
