As winter tightens its grip on Windsor – Essex County, many residents are planning escapes to warmer climes like the Caribbean or Mexico. While the allure of sandy beaches and tropical breezes is undeniable, it’s crucial to prepare for unforeseen situations, especially when it comes to health care. According to our travel medical insurance partners, issues with medical care in Mexico and similar destinations are on the rise.
The Government of Ontario strongly advises that anyone traveling out of the province secure comprehensive travel medical insurance. The Ontario Health Insurance Plan (OHIP) offers minimal coverage outside Canada—enough to leave you financially vulnerable in case of an emergency. For instance, a trip to a U.S. emergency room could rack up thousands in charges, yet OHIP's reimbursement cap is merely $50.00 CDN per day, regardless of the condition. (
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Key Considerations
1. Check Your Coverage
Don’t depend solely on the travel coverage provided by your credit card or workplace benefits, as they may fall short. The Government of Canada suggests opting for the most robust travel insurance package available. (
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2. Medical Costs
While vacation deals abound, remember they often don't extend to healthcare. Hospitalization in Mexico can be as costly as in the U.S., so ensure your insurance has you covered.
3. Share Your Insurance Details
Make sure your travel companion knows your insurance policy details. They can assist in ensuring you receive necessary medical attention should you be incapacitated.
4. Contact Insurance During Emergencies
If a medical emergency arises, making your first call to your insurance provider is wise. Many providers offer language support and can facilitate completing all necessary paperwork to expedite claims.
5. Be Ready for Deposits
Direct billing may not be possible everywhere. Hospitals may require an upfront deposit before treatment. Ensure you have a cash or credit card at hand, which you can claim for eligible expenses later.
Set for takeoff? We're here to guide you through choosing the right travel medical insurance plan tailored to your needs. Call us at 519-736-8228, email at
chris@gibbinsurance.ca, or click here for an online quote.