TPI Xplore - (Page 19) rbc Insurance can fill in the gaps of your current coverage Review your employment and credit card coverage many travellers also think they are covered through employer or credit card insurance plans. but it’s important to understand the limitations of this coverage and fill in the gaps. • Credit cards often provide coverage for a limited number of days or limit the amount you can claim and may not provide coverage after age 65. • Employment benefits may not cover all medical emergencies and may limit travel benefits. • Government health insurance plans often pay only a portion of out of country medical costs and don’t offer insurance benefits such as baggage and personal effects insurance, flight and travel accident insurance, and trip interruption/after departure insurance. Insured travellers who become injured or sick while travelling can benefit from access to: • Comprehensive coverage for emergency hospital and medical costs and emergency transportation • Up front payment of all eligible medical bills and related costs (wherever possible) • Multilingual assistance, 24 hours a day, seven days a week, from virtually anywhere in the world • Help in finding a local doctor or hospital Travel Insurance Shopping Tips 1 Does the plan have a deductible that you have to pay with each claim? If so, make sure you’re aware of this clause and are comfortable with the amount you may need to pay. Will the company pay your expenses up front – or will you be reimbursed later on? reimbursement isn’t much help if you need expensive surgery and don’t have the cash or a credit card on hand. What does the policy cover? Would the policy cover the cost of being flown home by air ambulance with a private nurse? Does the policy have an emergency phone line you can call for help anywhere in the world? If so, are the representatives multilingual? Does the policy deny benefits if your medical emergency arises because of a pre-existing condition – a health problem you had when your trip started? 2 3 4 5 personal travel consultants
For optimal viewing of this digital publication, please enable JavaScript and then refresh the page. If you would like to try to load the digital publication without using Flash Player detection, please click here.