In case if the holder of the Travel Insurance policy had to use medical services while travelling, it is recommended to contact the insurance company as soon as possible. However, if the duration of the trip is less than 2 weeks, the policy holder can make a claim once he comes back to Canada. As for provincial health plan, the insurance company will reimburse the expenses no later than 90 days after the insured accident. If the claim was made after that period, there is a chance the expenses would not be recovered.
It is also recommended to get Travel Insurance when visiting another province. Each province has different rules and regulations and don’t cover residents from another provinces. The price of the premium for visiting another provinces is twice less expensive when travelling abroad.
Unlike Travel Insurances, insurance plans for New Immigrants and various categories of visitors, are called Visitors to Canada Health Insurance. If the visitor resides In Canada most part of his duration in the country the insurance company will cover him when visiting other countries (except the country of citizenship). This insurance will cost more than Travel Insurance. Later in the next post I will talk more about Visitors to Canada Health Insurance.