Here's a great article by the CBC. It talks about all those little things that a person needs to remember when travelling. You'll note that even in the comments to the article, that readers have recognized that when travelling, financial safety is just as, or more, important as health safety.
That is where travel insurance comes in. travel medical insurance actually address both issues; health and financial issues. And both the Canadian Snowbird Association and the Department of Foreign Affairs stress the importance of having a travel protection plan with proper coverage.
In addition to having proper travel coverage, "MacKenzie also advises Canadians to be aware of the rules that exist for how long a person can be outside a home province before losing health coverage; also for long visitors can stay in a host country as a tourist.". These are important issues to consider when you are an avid traveller. According to some provinces, residents will lose their health benefits should they remain outside their province and or Canada for a period greater than (usually) six months.
There are some provinces that understand that many seniors travel for six months outside, but also travel inside the Canada. An example of this is Ontario or Newfoundland. These provinces permit their residents to travel outside their provinces up to 212 days in any particular year. All other provinces limit travel to 183 days.
Resident however can make appeals to their home province ministries of health to revieve extensions to these limitations. The same goes for travel insurance.
Some companies, like Medipac Travel Insurance (endorse by the Canadian Snowbird Association), actually have rates that extend to 212 days for travellers from Ontario and Newfoundland. Also, where travellers have received extensions from their resident ministries of health, some travel health insurance companies can use this evidence to offer extend travel insurance.
Should you be one of those travellers that apply for such extensions, note that travel insurance premiums are not linear. The longer you are travelling the greater risk of a medical emergency taking place. As such, the increase in premium for the additional travel protection will be mildly exponential - proportionately greater increases in premium with greater trip lengths.
Happy travels!
That is where travel insurance comes in. travel medical insurance actually address both issues; health and financial issues. And both the Canadian Snowbird Association and the Department of Foreign Affairs stress the importance of having a travel protection plan with proper coverage.
In addition to having proper travel coverage, "MacKenzie also advises Canadians to be aware of the rules that exist for how long a person can be outside a home province before losing health coverage; also for long visitors can stay in a host country as a tourist.". These are important issues to consider when you are an avid traveller. According to some provinces, residents will lose their health benefits should they remain outside their province and or Canada for a period greater than (usually) six months.
There are some provinces that understand that many seniors travel for six months outside, but also travel inside the Canada. An example of this is Ontario or Newfoundland. These provinces permit their residents to travel outside their provinces up to 212 days in any particular year. All other provinces limit travel to 183 days.
Resident however can make appeals to their home province ministries of health to revieve extensions to these limitations. The same goes for travel insurance.
Some companies, like Medipac Travel Insurance (endorse by the Canadian Snowbird Association), actually have rates that extend to 212 days for travellers from Ontario and Newfoundland. Also, where travellers have received extensions from their resident ministries of health, some travel health insurance companies can use this evidence to offer extend travel insurance.
Should you be one of those travellers that apply for such extensions, note that travel insurance premiums are not linear. The longer you are travelling the greater risk of a medical emergency taking place. As such, the increase in premium for the additional travel protection will be mildly exponential - proportionately greater increases in premium with greater trip lengths.
Happy travels!
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