10/25/2024
Attention new immigrants and travelers visiting family: Before being enrolled in Canada’s healthcare system, you may face high out-of-pocket costs if you get sick. So how can you buy health insurance to protect yourself?
Travel insurance, as the name suggests, is intended for travelers, visitors, and new immigrants, covering risks that may arise outside their country of residence. Here’s an overview of what Tugo travel insurance covers:
1. Emergency medical expenses due to illness or accident (ambulance, tests, treatment, hospitalization, prescription drugs, necessary medical equipment, private nurse, etc.)
2. Emergency dental expenses
3. Transportation expenses related to emergency medical treatment
4. One-way airfare to return travel companions or children to their departure point
5. Transportation costs for relatives (to provide care)
6. Transportation of remains in the event of death
7. (If needed) One-way airfare for treatment in the home country
8. Prenatal care and childbirth expenses (provided the pregnancy began after the policy’s start date)
9. Car rental return costs due to a medical emergency
10. Essential expenses (food, lodging, transport, etc.) due to a medical emergency
11. Supervision costs for accompanying children during a medical emergency
12. Five follow-up visits after the initial emergency treatment
13. Airport lounge access or financial compensation through MyFlyt if a flight is delayed by two hours or more.
The key term here is “emergency medical.” Whether a case qualifies as an emergency is determined by the hospital. Conditions such as acute gastroenteritis, fever, or viral infections are generally considered emergencies. However, costs associated with stable chronic conditions, or when the hospital determines that treatment is necessary but not urgent, are typically not covered.
Travel insurance often comes in two types: with or without coverage for pre-existing conditions, with the former being more expensive.
Travel insurance is affordable, costing only around $3-5 per day, providing peace of mind in case of illness.
If interested, feel free to contact me, IA Financial Security Advisor, Zixiao Bai, at 8736624702.
