Holiday season is in full swing, and to spend quality time away from our busy life schedule, we are making arrangements for travel- alone or with our family. While our aim is to have peace of mind during our vacations, it can be achieved fully if we have enough protection during times of any unforeseen medical emergency.

While we feel protected due to the coverage provided by our provincial health coverage, we need to realize that it guarantees medical treatment coverage only ‘within the province’ and if we move out of the province, the maximum amount of coverage provided by the provincial health plan is minimal; and any expenditure incurred above this amount has to be paid by the traveler. To protect you and your loved ones totally from all medical expenses, insurance companies offer many useful plans as per your needs and financial reach.

There are a number of options that you can choose from:

You can buy individual travel insurance or travel insurance for your family. Certainly, Family Plans are a ‘more economical option’ and are available for both Single Trip and Multi Trip Annual plans. This coverage proves to be immensely useful during your trip; especially in US, where the medical expenses can be exceedingly high. The insurance companies provide coverage from 5 million to 10 million dollars. These plans are available only for those people who have medical services plan coverage from their home province.

Some real instances of claims that have been approved and paid by insurance companies have been given below:

43-year-old Male: Abdominal Pain Led to Appendicitis

Gurcharan Singh was in Mexico during spring break. After a few days, he started having severe abdominal pain and saw the hotel doctor. He was diagnosed with appendicitis and sent to the hospital by ambulance. Gurcharan was in the hospital for two days before he was released with various prescriptions and caught a new flight home.

Hotel doctor fees …………………………….$950.50

Ambulance fees .……………………………$1,200.00

Hospital fees ………………………………$22,530.47

Doctors’ fees………………………….……..$7,165.00

Prescriptions …………………………………… $47.11

Provincial medical ………………………… – $330.16

Amount paid by Insurance Company ………………. ……………………………………………….. $31,562.92

56-year-old Female: Family Visit Interrupted by Pain from Urinary Tract Infection

Surinder Kaur was visiting family in Wisconsin when she began experiencing pain with urination. After two days, she went to the walk-in clinic where she had blood work and a urinalysis done. The doctor informed her that she had a urinary tract infection and gave her antibiotics to recover. Surinder was able to enjoy the rest of her time with her family and return home on schedule.

Walk-in clinic fees …………………………….. $225.1

Doctors’ fees ……………………………………$687.00

Pathology fees …………………………….. $1,706.40

Prescriptions ……………………………………..$75.23

Provincial medical ………………………… – $150.00

Amount paid by Insurance Company ………………. ………………………………………………….$2,543.73 27-year-old

Male: Surfing Accident Caused Neck Fracture

Amit Kumar was surfing in California when a massive wave struck him, slamming him into the sea floor. His friends called an ambulance, and he was taken to the ER. Doctors ordered an X-ray and diagnosed a fractured neck. Amit was released from the hospital three days later with pain medication. He was able to return home on his scheduled departure date.

Ambulance fees ….…………………..………$1,200.00

Hospital fees ……………………………… $19,006.03

Doctors’ fees …………………………………$3,295.12

Radiology and pathology fees ……….. $1,250.00

Prescriptions …………………………………….$37.84

Provincial medical ………………………… – $230.00

Amount paid by Insurance Company ………………. ……………………………………………….. $24,558.99

36-year-old Female: Backpacking Trip Cut Short by Fall

Satinder Kaur went backpacking with her friend in Cambodia. One night, at their hotel, Satinder tripped and fell off the 2nd story balcony. An ambulance rushed her to the nearest hospital, where the doctor told her she had fractured her leg, ribs and wrist with multiple contusions. Due to the lack of medical facilities in Cambodia, Satinder was airlifted to Bangkok for surgery. She stayed in the hospital for eight days before returning to Canada with a medical attendant. Satinder was prescribed pain medication to help with her recovery. Ambulance fees ……………………………… $700.00

Hospital fees ……………………………… $40,053.09

Air ambulance fees ……………………. $18, 200.00

Flight with medical attendant …..….. $17,015.12

Prescriptions ……………………………………..$45.62

Provincial medical ………………………… – $800.00

Amount paid by Insurance Company ………………. ……………………………………………….. $75,213.83

38-year-old Male: Ski Trip Interrupted by Pneumonia

Baljeet Singh was on a ski trip in Montana when he developed a fever and chills. He went to the ER, where doctors diagnosed him with pneumonia. Baljeet left with antibiotics and followed up at a walk-in clinic a few days later. He was able to return home on schedule. Hospital fees ……………………………… $35,456.00

Doctors’ fees ……………………………….. $1,325.90

Radiology fees ……………………………….. $985.00

Prescriptions ………………………………….. $113.65

Walk-in clinic fees …………………………… $152.00

Provincial medical ………………………… – $410.00

Amount paid by Insurance Company ………………. ………………………………………………… $37,622.55 *

The examples quoted above are based on real claims. Details of travellers have been changed to protect privacy For an obligation free appointment for more details or to purchase a suitable plan as per your needs, Please contact me at 604-996-6862 email at sandeepahuja@ punjabinsurance.ca

 

Prof. Surinder
Kochhar (Shaun)

LPN, FCN, M.Com, CAIIB, DIM
(A freelance writer with
36 Years Exp.)