The larger your family is, the greater the risk that you will run into trouble before, during or after your trip. At such times, travel insurance is your best ally—as long as you choose wisely! Here are some tips and advice to guide you in shopping for a policy.
- Travel insurance is essential for travellers of all ages—even within Canada. Once you leave the province, your Régie de l’assurance maladie du Québec (RAMQ) coverage is reduced. Some costs, like transportation by ambulance, for example, simply aren’t covered.
The coverage of the RAMQ (Régie de l’assurance maladie du Québec)
Travelling outside Canada: The RAMQ will reimburse only a very small part of medical expenses incurred abroad: $50 for a doctor’s visit and $100 per day of hospitalization. Many other things aren’t covered at all, like prescription drugs, ambulance transport or repatriation, so you can quickly run up a very large bill.
Travelling in Canada: The RAMQ will reimburse professional services only up to the going rate in Quebec, even if the insured person paid more. If the service costs more than in Quebec, you will have to pay the difference. What’s more, in the rest of Canada, like abroad, prescription drugs, emergency dental care, ambulance transport and repatriation costs aren’t covered.
For more information > RAMQ website
- Make sure the medical coverage amount is at least $1 million. Remember that fluctuations in the value of the Canadian dollar mean that medical expenses could be even higher than expected.
- Most travel insurance contracts do not provide coverage for expectant mothers beyond 31 weeks of pregnancy. Check the exact coverage period with your insurer.
- Children under the age of 2 may be covered at no extra cost when one parent has coverage. Again, find out from the insurance provider!
CAA-Quebec Travel Insurance covers pregnancy and related complications if the pregnancy has not been declared high-risk and if the pregnant woman is travelling before the final eight weeks preceding her due date.
A baby born during a trip (whether prematurely or not) may be covered if it is born in the first 32 weeks of gestation, if the pregnancy and delivery are covered, and if the pregnancy was not declared to be high-risk.
- A good insurance company will usually provide assistance services in case of loss or theft of identification papers. Given that children must now have a passport in their name, these services can be very useful.
- Make sure the costs of accompanying children in case of repatriation are covered. This benefit can be very useful, especially if you are injured while travelling alone with your children, and you cannot return home immediately.
- Medical follow-up in Canada after hospitalization and repatriation is another reassuring coverage option. Does your insurance policy include this?
- If you take out trip cancellation insurance before departure, carefully read all the limitations on the risks covered. The potential reasons for cancellation are increasingly varied, but they may not all be covered. To be sure, purchase comprehensive (“all-risks”) trip cancellation insurance.
- Check whether incidental charges (e.g., phone, TV, parking) are covered in case of hospitalization. These services can make things easier and less stressful for you and your children.
- Some family insurance policies include coverage for children up to age 25 if they are full-time students.
- Do you rely on the travel insurance that comes with your credit card? Check carefully that your whole family is covered by your policy. Some cards will cover the cardholder and his or her spouse and children, while others protect only the holder.
- Travel insurance can include complementary services that make travelling with children much more enjoyable, such as assistance and concierge services. Concierge services can provide suggestions for activities, restaurants or shows. Besides conducting searches, they can even make reservations or find tickets for you! Attaché assistance services program
Travel insurance is a must for any type of travel, but it truly comes in handy when you’re holidaying with the little ones.