Your “Savvy Retiree” Newsletter for July 2024
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If have any travel plans this fall or winter, now is the time ideal to organize all aspects of your trip, however are you a traveller with a medical history?
A medical history is the set of information about diseases conditions, surgeries, and medical treatments a person has had in the past.
Checking whether medical history will be insurable in travel insurance is important for several reasons:
- Some insurance policies may exclude conditions or require a period of stability before convering them.
- If you do not declare your medical history or if your police do not cover them, any claim related to these conditions could be refused. This can lead significant costs if you need to receive medical care abroad.
- Knowing the conditions covered and exclusions helps financially plan your trip. This will allow you to evaluate the risk and perhaps choose to take out additional insurance tailored to your specific needs, if any.
- Having insurance that covers your medical history provides a peace of mind knowing you will have access to the necessary care without worrying about the exorbitant costs.
In short, it is crucial to check whether your medical history is insurable to avoid unpleasant surprises and ensure you are well protected during your trip.
When planning a trip, it is essential to check the validity of your passport. Travel insurance will not cover the costs of reservation if the insured finds that his passport is no longer valid at time of departure.
Before you book your trip, check the expiry date of your passport. Make sure it will be valid for a least six months after your return date.
If your passport expires soon, make the necessary arrangements to renew it well before you leave. Processing times may vary, so allow enough time to receive your new passport.
Taking these precautions will avoid inconvenience and unnecessary.
The accommodation costs will be reimbursed for you, your spouse and your dependent children. If the accommodation costs include the share of each of your guests (for example, if you have rented a cottage for 10 people), only the portions the insured under the contract will be reimbursed. If your guests have a travel insurance covering cancellation expenses, they will have to present a claim with their own insurer. Please note that each guest should check with their insurer to see if they are covered, even if the payment for accommodation was made by someone else.
Before making a deposit for medical services abroad, contact CanAssistance. This travel assistance provider has established a network of high-quality international partners across continents. Hospitals worldwide collaborate with CanAssistance.
When management is necessary, their practitioners assess the situation and your needs. In a medical emergency, they can direct you to the appropriate medical resource (doctor, clinic, hospital).
CanAssistance handles payments directly for medical care, thereby avoiding significant charges on your credit card and the claims process that requires pre-payment analysis. They can support you until your medical condition stabilizes, manage medical evacuations and repatriations, arrange transportation for a family member to your bedside, or address other relevant situations as needed.
It is essential to understand the functioning of its group insurance. The new tab on the ACR website covers most of the guarantees, repayment guidelines, benefits to which you are entitled, or actions to take during life situations.
By selecting the keyword most relevant to your request, you will be redirected to the corresponding information.
We strive to simplify the search for answers to your questions.
Click here to discover the Understanding my group insurance tab
Line St-Cyr, Coordinator, ACR