CLHIA-ACCAP - Consumer Information

A guide to travel health insurance

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RESTRICTIONS/LIMITATIONS Destination - Some destinations may not be included in your coverage. Before you travel, check for any travel advisories issued by either Foreign Affairs and International Trade Canada (http://www.voyage.gc.ca/countries_pays/menu-eng. asp) or the Public Health Agency of Canada (http://www.phac-aspc.gc.ca/tmppmv/pub-eng.php). Maximums - Maximums can vary from a few thousand dollars to unlimited coverage for hospital and medical expenses. Some policies cover only a certain percentage of costs. There also may be maximums related to age. Duration - Many policies specify a time limit for coverage (e.g., 60 days). Suicide - Benefits for expenses incurred due to suicide or self-inflicted injuries are routinely excluded. Substance Abuse - Hospital and other medical expenses incurred as a result of drug or alcohol abuse are often excluded. FACT: Travel health insurance plans cover emergency care. Routine or elective treatment is usually not covered. This refers to treatment you could have received in Canada, treatment you could have deferred until your return, and/or ongoing treatments you may need if you are out of the country for a lengthy period of time. Check your policy. 5

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