Travel Health Insurance: Know Your Coverage Before An Emergency Occurs

Buying travel health insurance is an important step for sufficient medical coverage while outside Canada, but it is only the first step. To make your policy work, say industry regulators, there has to be a co-operative relationship between the policyholder and the company.

Indeed, the range of medical treatment around the world is so broad and varied, home-based insurance companies will provide booklets outlining what they will, and will not cover. Therefore, an equally important step at the time of purchase is for the traveller to become as familiar as possible with the basic guidelines of the policy before an emergency occurs. Decisions on the reimbursement of expenses are not likely to be the first thing on your mind in an urgent situation.

So how do we ensure financial coverage during a medical emergency? Here are a few guidelines offered by the Financial Services Commission of Ontario (FSCO). FSCO is an agency of the Ministry of Finance that regulates Ontario's insurance industry.

Obtain authorization

As soon as possible, says FSCO, call the emergency service centre telephone number provided with your policy. The service centre's role is to manage your medical care and make the claim process fast and efficient. The centre provides claim administrators, on site doctors, nurses and other medical professionals to arrange care and monitor treatment. To ensure coverage, if possible, don't proceed with any medical treatment without full authorization.

You can assist the claims process more efficiently, if you:

• Supply all the facts and information accurately.

• Keep a log of the contacts at both the service centre and your insurance company, including the names of people assisting you, the date of the contact, and what was discussed.

• Keep a detailed record of all medical transactions. Get receipts for the medical care including tests, treatments, and prescriptions. Receipts are a must when making a claim. Also, observe the time limits of your policy.

• Complete the forms supplied and enclose all original bills signed by the attending physician, plus receipts and supporting claim documentation. Be sure to include your policy identification number, health card number and date of birth. Keep copies of all documentation submitted to the company.

More information on travel health insurance is available online at www.fsco.gov.on.ca. Or, for a copy of their booklet Shopping for Travel Health Insurance phone (416) 590-7298 (Toll Free: 1-800-668-0128).

- News Canada

About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.

Travel Health Insurance: Reimbursement Depends On Following The Rules

Travelling, whether for business or pleasure, involves risk. A personal emergency may necessitate an early return, or you may need hospital treatment or air evacuation due to a medical problem. Travellers should be aware that the Ontario government health plan (OHIP) is rarely enough when it comes to medical treatment outside the country, so without supplementary insurance during an emergency, you could be exposed to considerable financial obligations.

Travel health insurance policies vary considerably, says the Financial Services Commission of Ontario (FSCO), an agency of the Ministry of Finance that regulates Ontario's insurance industry. FSCO reminds us to pay special attention to the definitions, pre-existing condition clauses, deductibles, as well as the limitations and exclusions sections of the policies. Ask for clear explanations of each and once you are satisfied, make your insurance purchase. But even then, says FSCO, there is a bit more work for you to do — as follows:

Read the policy: Before leaving on your trip, read and become familiar with your policy and the coverage. It is your responsibility to know what you have purchased.

Take it with you: Include the policy with your travel documents. Keep both the emergency contact phone number available, as well as the number for your insurance company. Compile and include a list of current medications.

Get authorization (if possible): If a medical problem arises, the toll-free phone number provided will connect you to an emergency service centre. Be ready to supply all the facts and information and ask for clarification if you do not fully understand. Service centres manage and monitor your treatment and make the medical referrals. Before you go ahead with treatment however, be sure the service centre has obtained authorization from your home-based insurance company. If not, you may be personally obligated for medical services not approved.

Follow the payment process: Under some policies, you pay the hospital and are reimbursed later by the insurance company. Other policies provide payment directly to the medical facility or practitioner. The policy will tell you which procedure to follow.

More information on travel health insurance is available online at www.fsco.gov.on.ca. Or, for a copy of their booklet Shopping for Travel Health Insurance phone (416) 590-7298 (Toll Free: 1-800-668-0128).

About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.

Local Explorations - Hello from Lake Ontario's Waterfront Trail

In our neck of the woods the summer has been absolutely gorgeous, a little on the hot and humid side occasionally, but I am unable to recall a summer that has been so warm and sunny as this summer of 2005.

The weekend before last I just felt like exploring the local area a little bit and since I was unable to pry my husband away from watching some of the season's first football games, I struck out on my own and laid out an itinery for a little local discovery. I've said it before - this website is about exploration and discovery, locally and abroad. The places right underneath our noses often have so many things to discover, we don't always need to get a plane ride away to uncover something new.

Since we spent so much time along Toronto's waterfront during my brother's visit, and since I am big suck for water in all shapes and forms, I thought let's stretch the envelope a little further east and see what Lake Ontario has to offer outside of Toronto's eastern city limits. More specifically, let's check out the shoreline and Lake Ontario's Waterfront Trail.

The Waterfront Trail extends for a total of 740 km and stretches all the way from Niagara-on-the-Lake in the southwest to Brockville in the east. Of course, 740 km in a day would be a bit much, so I focussed my explorations on the communities just east of Toronto: Pickering, Ajax and Whitby.

I started just on the west side of Toronto's city limits at the estuary of the Rouge River, which forms part of a protected nature preserve. The river flows out in a lagoon setting and joins the lake just outside a long extended finger of sand, right beside a beautiful sandy beach. A video production company was just shooting a soca music video and the footbridge over the Rouge River was actually blocked off by the film crew. That didn't deter a bunch of fishermen underneath the railway bridge from casting their lures in hopes of catching the big one.

My next stop was Pickering, the first community east of Toronto. I went down to the Liverpool Beachfront Park, which houses a brand new very attractive Cape Code style housing development, a marina and a restaurant surrounded by a marsh just inland from the shoreline. At the beachfront of Frenchman's Bay there are various recreation facilities and the boardwalk takes you right up to the fences of the Pickering Nuclear Power Station.

Back in the car I went and I scoped out the next city further east: Ajax, which has a beautiful waterfront. I parked my car at Rotary Park which has a nice pavillion with a food concession, put on my inline skates and rolled eastwards past the Ajax Waterfront Park and Harwood Gardens to the east end of the Waterfront Park. Virtually all of downtown Ajax' waterfront is parkland and near Lion's Point and Harwood Gardens the shoreline is elevated, with many benches to sit down and rest and gaze out onto the infinite horizons of Lake Ontario.

I made a brief stop in Whitby, but by that time my stomach was growling and the nagging feeling in my digestive system made me decide to explore this area in more detail another time. I figured I gotta leave some of the nice stuff for next time.

After almost 20 years in Canada I had never explored these parts of Lake Ontario's shoreline and I was amazed at how many beautiful spots I found. As fall approaches, I am planning to extend my discoveries and head out to discover some of Ontario's brilliant fall colours and get to know my local neck of the woods a little better.

About The Author
Susanne Pacher is the publisher of a website called Travel and Transitions (http://www.travelandtransitions.com). Travel and Transitions deals with unconventional travel and is chock full of advice, tips, real life travel experiences, interviews with travellers and travel experts, insights and reflections, cross-cultural issues, contests and many other features. You will also find stories about life and the transitions that we face as we go through our own personal life-long journeys.