Is travel insurance really necessary?
Medical insurance is essential the moment you leave Québec. The Canada
Health Act requires the Régime de l’assurance maladie du Québec
to cover your medical costs in Québec, however not outside of the province.
In fact the RAMQ only covers a small portion of medical or hospital costs incurred
outside of Québec, such as $50 for a medical consultation and $100 a day
for hospitalization. Because medical costs are higher elsewhere – particularly
in the United States – without travel insurance, your financial security
is at risk
Aren't all travel insurance plans the same?
Absolutely not. Coverage can differ on many levels. The difference
will be very apparent if you run into an emergency situation. Our reputation
comes from a history of reliability, making Blue Cross the most Trusted Insurere
worldwide.
Do I need to complete a medical questionnaire?
A distinction should be made between a statement of health and
a medical questionnaire. A medical questionnaire is
an option Blue Cross offers to cover pre-existing
conditions for individuals over 60 years of age. You are not obliged
to complete this questionnaire, but doing so gives you a definite advantage.
In 80% of cases, the questionnaires result in coverage that may otherwise not
be granted. Simply have your doctor complete the questionnaire and send it to
us. Your health status will then be assessed by the Blue Cross medical director;
if your pre-existing condition is stable and does not present an increased risk,
it will be covered and you will be able to leave on your trip with true peace
of mind.
The statement of health determines what will be covered,
what will be excluded and the travel insurance premium. The premium is based
on the risks inherent with age, the health condition and trip length.
