Planning to welcome family visiting from outside Canada can be exciting, especially if you haven’t seen them in a long time.
Along with clearing out the closet in the spare bedroom, when you’re preparing for the visit you may want to talk to your relatives about taking out emergency medical insurance for them. Although no one wants to think about the potential for something to go wrong during such a happy time, a little preparation can prevent a lot of stress and financial pain later on.
The cost of care in Canada
When people are talking about travel insurance, you often hear about the high cost of medical treatment outside Canada. But medical care in Canada can be expensive, too – for non-Canadians. And you don’t have to be elderly or in poor health to incur medical bills. Even young and vigorous people can have accidents, and their medical costs can be just as financially devastating. Take a look at these examples of average treatment costs:*
- Emergency room visit in Vancouver: $840
- Appendectomy in Toronto: $14,400
- Pneumonia in Montreal: $16,200
- Broken leg in Vancouver: $24,000
The cost of travel insurance is small compared to the cost of not being covered if one of your family members needs emergency medical care while they’re in Canada.
Look into flexible coverage
When you’re searching for travel insurance, look for a provider that offers flexible coverage, such as:
- The ability to re-purchase insurance year after year for as long as your relatives stay in Canada
- Dental care as well as emergency medical care
- The cost of prescriptions
- A choice of family or single coverage
- Coverage for temporary visits to other countries that aren’t their country of origin
- Direct billing so you or your relatives don’t need to pay medical bills out of pocket
There’s no need to let an illness or injury turn your family’s visit into a financial burden for them or you. Speak to an insurance professional about how a travel insurance policy can let your relatives enjoy a worry-free visit.
*Costs include hospital and physician charges. Source: RSA Travel Insurance 2015.