When traveling out of Alberta, what coverage do you use?

[TomcoPDR]

Not sure if this topic have been covered before.

When traveling outside Alberta (given majority of Beyonders are local/Calgary)

What travel insurance, medical insurance do you use? Second part of that question, if you're going away for extended amount of time (say over 30 days)

- Alberta health care
- Alberta blue cross, with paying for extended coverage (automatic cover for 17 days, anything over, it's per quote per day)
- Credit card (do you trust them to cover you if something really were to happen?) TD travel infinite, TD Aeroplan Privilege? Anyone used those/trust those having enough coverage?
- The insurance coverage offered when you purchase airline tickets (usually RBC if flying Aircanada)
- "I" don't worry about shit like this, if I die, I die on a trip
- Gofundme coverage

Since you can't double dip on coverage, so to me, it's just overkill if you purchase more than 2 IMO, but while having 2, at least you have options. And I suppose Alberta healthcare is just default for us non Beyond Ballers.

[pheoxs]

I don't use any additional coverage. I checked and my benefits at work have emergency coverage in case something happens abroad.

I suppose my CC also offer some coverage, though I've never really looked into using it. I think they cover delays and lost bags up to a certain (small) amount but never really bothered to use it since I assume its a hassle and they'd try and avoid paying any reimbursements.

[lasimmon]

Same, I use my work coverage.

[killramos]

Well if you are still inside Canada i wouldn't purchase shit, there are certain things that could cost you but probably not worth the insurance. I guess you could pay 20 bucks or something to cover a potential ambulance bill or something?

Travelling internationally i use my work policy (Great West Life) which covers damn near anything.

If i didn't have such a policy i would purchase supplemental from my bank just for the trip. Though i think my credit card had some coverage features. I don't understand them well enough to rely on them.


Out of Province/Country Emergency Medical Insurance3 – when you are travelling out of province/country, emergency medical insurance covers your necessary medical expenses so you can travel without worry and enjoy your trip.

WHAT IS COVERED AND WHAT ARE THE BENEFITS?
This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. Unless otherwise noted in this Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited

1. Hospital and medical expenses
Covers the cost of emergency treatments, including hospital, surgical and medical treatment.
Eligible expenses include the following when ordered by a physician during your trip:
- hospital room and board, up to semi-private or the equivalent,
- treatment by a physician and/or surgeon,
- out-patient hospital charges,
- x-rays and other diagnostic tests,
- use of an operating room, intensive care unit, anesthesia and surgical dressings,
- prescription drugs except when you need them to continue to stabilize a chronic medical condition or a condition which you had before your trip,
- local ground ambulance service (or local taxi fare in lieu) to a hospital, physician or medical service provider in case of a medical emergency,
- the lesser of the rental or purchase of a hospital-type bed, a wheelchair, brace, crutches and other medical appliances, and
- the cost for the professional services of a registered private nurse while you are hospitalized, to a maximum of $10,000, when these services are recommended by a physician and approved in advance through Assured Assistance.

2. Emergency dental expenses
Covers the cost of the following dental expenses when ordered by and received from a licensed dentist:
- the repair or replacement of natural teeth or permanently attached artificial teeth required as the result of an accidental injury to the mouth during your trip, to a maximum of $2,000. Dental treatment must be received within ninety (90) days of the injury.
- treatment during your trip, for the emergency relief of dental pain, to a maximum of $200.

3. Other emergency services
Covers the cost for professional services of a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist to a maximum of $250 per covered person per profession, when ordered by a physician during your trip.

4. Emergency air transportation or evacuation
Covers the cost of the following, when medically required and approved in advance and arranged through Assured Assistance:
- the extra cost of one-way economy airfare on a commercial flight by the most direct route to the point of departure, to receive immediate emergency medical attention; or
- a stretcher fare on a commercial flight by the most direct route to your departure point, if a stretcher is medically necessary; and
- return economy airfare on a commercial flight and the usual fees and expenses for a qualified medical attendant to accompany you, when the attendant is medically necessary or required by the airline; or
- air ambulance transportation if it is medically essential.

5. Return of deceased
Covers:
- the return of your remains in the common carrier’s standard transportation container to your departure point, and up to $5,000 for the preparation ofyour remains and the cost of the common carrier’s standard transportation container; or
- the return ofyour remains to your departure point, and up to $5,000 for the cremation of your remains where your death occurred; or
- up to $5,000 for the preparation of your remains and the cost of a standard burial container, and up to $5,000 for the burial of your remains where your death occurred. If someone is legally required to identify your remains, this insurance covers the cost of round-trip economy class transportation by the most cost-effective route and up to $300 for meal and hotel accommodation expenses for that person. That person is covered under the terms of your insurance during the period in which he or she is required to identify your remains but for no longer than three (3) business days.

6. Additional hotel and meal expenses
Covers the cost of up to $150 per day, to a maximum of $1,500, for meal and commercial accommodation expenses you have incurred after the date you are scheduled to return to the departure point, when your return is delayed due to your medical emergency or when you are relocated to receive emergency treatment.

7. Bringing relative to bedside
Covers the cost of round-trip economy class transportation by the most cost-effective route, to have a relative visit you when you are hospitalized during your trip. However, if you are under age twenty-one (21), or age twenty-one (21) and over and physically handicapped and dependent on your bedside companion for support, this insurance provides this benefit to you as soon as you are admitted to a hospital. That person is entitled to a maximum of $300 for meal and hotel accommodation expenses and is covered under the
terms of your insurance during the period in which he or she is required at your bedside.
The visit must be approved in advance through Assured Assistance.

8. Return of vehicle
Covers the reasonable costs for a commercial agency, when arranged and approved through Assured Assistance, to return a vehicle to your residence or to a commercial rental agency, when you are unable to return the vehicle due to a medical emergency. The vehicle can be a
private passenger automobile, self-propelled mobile home, camper truck, trailer home, or motorcycle that you own or rent and which you use during your trip.

9. Return of dependent child or dependent children
If a dependent child or dependent children insured under your insurance travel with or join you during your trip, and you are hospitalized for more than twenty-four (24) hours, or you must return to Canada because of your medical emergency covered under this insurance, this insurance covers, when arranged and approved through Assured Assistance, the extra cost of one-way economy transportation by the most cost-effective route to the dependent
children’s departure point and the cost of return economy transportation for an escort, when an escort is deemed necessary by the carrier.

10 Return of your excess baggage
If you return to your departure point by air ambulance (pre-authorized by Assured Assistance) because of your medical emergency, this insurance covers the cost to return your excess baggage up to a maximum of $500, when medically required and approved in advance and arranged through Assured Assistance.
The Above is what is covered on an RBC Avion Card as a note. Never even bothered reading before. It actually sounds pretty comprehensive. I am likely better insured on vacation than at home :rofl:

[taemo]

lol at gofundme :rofl:

+1 on work coverage + RBC Avion

[GQBalla]

works Blue Cross covers me

Though the girlfriend gets AMA travel insurance whenever we travel

[Xtrema]

AMA reps Manulife CoverMe travel emergency. That's what I purchase for my folks who need to visit US.

Depends on risk and age, it was as low as $5 a day.

Make sure you have all the medical record in order and have your doctor go thru the survey if it's your 1st time buying it. When it come to claims, they will find any loop hole they can to avoid pay out. Typical insurance.

Don't know if Masked Bandit has any recommendation on this.

I'm still covered by work so I don't care.

[cream]

I use Blue Cross + Extended. Gf uses TD Insurance. My Blue Cross rate was better for the same 89 day coverage.