After planning and paying for your upcoming travel adventure, cutting costs by being inadequately covered with medical Insurance and travel vaccinations is risky. While we never expect to end up needing medical care overseas or out of province, it is a good idea to the know a few facts before you go.
The Medical Services Plan (MSP) of British Columbia will cover a portion of unexpected medical fees while you are away. However, medical fees out of country will be much higher than MSP will cover. If you have extended medical through your employer it is advisable to call your provider before you depart to ensure you are adequately covered . In some cases you will need additional medical insurance. Also, depending on your plan you could be expected to pay all medical costs accrued before you leave the hospital, clinic, Doctor’s office or other site you receive medical treatment.
Some credit card companies offer travel insurance while overseas but it is important you check with your credit card company to ensure their coverage will cover your health care needs.
Feeling confident about your medical coverage while you are away is essential. Is it worth taking the risk to save a bit of money?