Out of Country Coverage
Many of us push away the winter blahs with trips to warmer climates. Planning for these getaways can be fun, but also a bit stressful when we think about all the preparation necessary before the trip.
Aside from vital government documentation like a passport, it is easy to forget to pack important documentation such as your group benefits travel insurance information. Out of Country (OOC) coverage isn’t normally top of mind but remembering to pack your travel card could mean a world of difference if you have an unforeseen medical emergency while on your trip. If you have group benefits coverage with OOC travel coverage, it is helpful to read and understand the insurance policy especially for the limitations and exclusions.
Have adequate coverage: Aside from your OOC coverage, decide if you will you need additional travel insurance. Standardly, elective treatments, routine care, baggage insurance, trip cancellation and trip interruption are not covered by your group benefits OOC benefit.
NOTE: A common duration of OOC coverage is sixty days. If you need coverage beyond the specified day limit, additional coverage should be considered.
Know what to do if you or an eligible dependent has a medical emergency:
- call the travel assistance provider number on your card immediately BEFORE seeking medical treatment;
- if that isn’t possible, call as soon as you can so that you avoid issues with coverage of medical costs.
OOC coverage often is confused with travel assistance. They are different. OOC coverage provides benefits for medical costs associated with medical emergencies for you and your eligible dependents including the services of a physician, lab and hospital fees.
Travel assistance generally includes 24/7 access to travel support representatives. You get access to a coordinator who can recommend a healthcare facility, keep your doctor in Canada informed of your progress, as well as make travel arrangements for you when you’ve experienced a medical emergency while outside of Canada.