Expatriate Medical Travel Insurance

Canadians need to travel abroad for business, work, family and other commitments. Certain occupations and businesses require travel out of province or Canada. If you are an executive, work for a mining company, geologist, working on a ship as part of a crew, missionary, entertainer, medical professional, or professional athlete you will require additional medical insurance to supplement your Provincial/Territorial Healthcare Insurance Plan.

When residing and traveling abroad your Canadian Provincial/Territorial Healthcare Insurance Plan's coverage is limited. After a period of time it will lapse and no longer provide any coverage. When you return back to Canada to your province/territory of residence you will have to wait before your Provincial/Territorial Healthcare Insurance Plan's coverage is reinstated. Your Provincial/Territorial Government recommends that you purchase private medical travel insurance while traveling or residing abroad. Expatriate medical travel insurance provides coverage for unforeseen medical expenses and medical emergencies when residing and traveling abroad for an extended periods of time.

For Canadian Citizens and Permanent Residents Who Are:

• Working or living abroad and looking for more than Emergency Medical Coverage.

• Returning back to Canada waiting for their Provincial/Territorial Healthcare Insurance Plan's coverage to be reinstated.

Canadian insurance companies require you to maintain your Provincial/Territorial Healthcare Insurance Plan while traveling or residing abroad. Your Provincial/Territorial Healthcare Insurance Plan will only cover you for medical expenses up to certain limits. The actual costs you incur for medical expenses above your Provincial/Territorial Healthcare Insurance Plan's limits are substantially higher. You will be liable to pay for medical expenses above your Provincial/Territorial Healthcare Insurance Plan's limits. Expatriate medical travel insurance fills this gap in coverage. After a period of time your Provincial/Territorial Healthcare Insurance Plan will lapse, be cancelled or suspended. We would advise you to check with your Provincial/Territorial Healthcare Insurance Plan to extend your coverage whenever possible. If your Provincial/Territorial Healthcare Insurance Plan has lapsed, been cancelled or suspended, expatriate medical travel insurance is specifically designed to fill this gap in coverage.

Expatriate medical travel insurance does not cover everything all policies have exclusions and limitations. The plan's coverage is different with each insurance company, some plans cover stable pre-existing conditions others do not, some plans cover pregnancy others do not. There are also certain exclusions and limitations that insurance plans do not cover. The majority do not cover travel to destinations where a travel advisory warning has been issued by the Government of Canada, engaging in professional or dangerous sports and activities, and acts of war. Each policy is different, we would advise you to read the policy including the fine print. This policy wording will specify what is covered and what is excluded.

Insurance companies have eligibility and underwriting requirements To satisfy these requirements you will have to provide personal medical information. This can be done over the phone with an insurance broker or require you to complete a detailed medical questionnaire.

Always buy from a Canadian insurance company your claim will be expedited faster. Canadian insurance companies have expertise in dealing with Canadian healthcare service providers, they have direct billing relationships with them. Canada has one of the most stable financial services industries in the world. You also have additional protection from Assuris to protect your travel insurance in the event the insurance company goes out of business.

If you are required to travel to destinations where the Government of Canada has issued a travel advisory warning, engage in professional or dangerous sports and activities as part of your job or for pleasure, we can arrange coverage. This type of insurance is referred to as special risk. Be prepared to pay high premiums for this coverage.  

Please visit: Government of Canada Travel Advisory for a list of destination where a travel advisory warnings has been issued.

We offer travel insurance from Canada's leading insurance companies that specialize in travel insurance. Why take a chance dealing with an unlicensed insurance professional.

The information provided on this web site is intended for general information only. It should not be construed as legal, accounting, tax or specific insurance and investment advice. Clients should consult a professional advisor concerning their situations and any specific insurance and investment matters. While reasonable steps have been taken to ensure that this information was accurate as of the date hereof, Stone-Hedge Financial Group Inc. and its affiliates make no representation or warranty as to the accuracy of this information and assume no responsibility for reliance upon it.