Do I need it? Why do I need it? What are the benefits? Is it going to cost a lot? These are all questions people have when wondering about travel insurance. Here I will answer them – yes, protect yourself and loved ones from possible huge out-of-pocket expenses, benefits are too long to list here, but there are many and finally, compared to medical treatments outside of Alberta’s provincial borders, no, it is not expensive.
If you leave your province of residence, even to travel in Canada, some benefits from provincial health care ends when you cross a border to another province or country. Everyone thinks that it can’t and won’t happen to them; however, accidents happen all the time, even to the most conscientious of us. You know, the person who obeys all the rules, holds handrails and follows direction to ensure their safety; well, it can happen and usually happens when you least expect it.
The cost of medical treatment abroad can be outrageous! In the US, a broken wrist can be upwards of $8,000.00. A travel insurance policy will not cost $8,000.00 unless you have preexisting conditions and then that is a whole other conversation as restrictions or outright refusal from the insurance company may be implemented.
Did you know that an air ambulance outside the borders of Alberta wouldn’t be covered even if you are in British Columbia? And those costs can reach up to $20,000.00. And let’s admit it, when travelling through such a beautiful province, sometimes our eyes wander to the scenery and not the road ahead.
So, yes, you need it. Plain and simple. And it really is a cost effective way to ensure that, if the unfortunate happens, you can minimize the out-of-pocket expenses for you or your loved ones. Plan ahead, plan smart and get travel insurance before leaving for your amazing adventure(s).