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    Travel Insurance Tips

    Do I have to be a member of the Canadian Snowbird Association (CSA) to purchase Medipac Travel Insurance?

    No, CSA membership is not required to purchase Medipac Travel Insurance. However the CSA, as an independent not-for-profit volunteer-based organization, has exclusively endorsed Medipac Travel Insurance for more than 20 years. Medipac is the Canadian Snowbird Association’s preferred choice for travel insurance. Visit www.snowbirds.org to learn more about the advocacy work of the CSA; it supports travelling Canadians and snowbirds alike. We encourage you to become a member and to support their efforts. Membership in the CSA also includes access to benefits designed for the unique snowbird and travelling Canadian lifestyles.

    Are there things I am not covered for under my policy?

    Insurance by its very nature has benefits, exclusions and limitations. Travel insurance is not different. You are encouraged to fully read your policy. In particular the Pre-existing Conditions, General Exclusions and General Limitations section of the policy, beginning on page 5 are important sections to review.

    What if my health changes after I purchase my insurance?

    If you have a change in health after you purchase your insurance and prior to your effective date of insurance, your coverage will be limited and may be void. As such it is important that you contact Medipac at 1-888-633-4722 to understand how your policy is affected, which will include a reassessment of your eligibility and rate category.

    A change could be (but is not limited to) a diagnosis, symptom, or something more subtle that you might think could be postponed until you return from your trip, such as a recommended physician referral to a specialist, a test, and recommended investigations or evaluations.

    Regardless of the change in your medical status it is important that you notify Medipac; if you are unsure, speak with one of our medical staff to help you understand the effects to your policy.

    How much does my provincial health insurance plan pay?

    Canadian provincial/territorial government health insurance plans vary and are limited in terms of out-of-country coverage; in fact, in 2020 Ontario discontinued all out-of-country benefits. Other provinces can pay as little as $75.00 a day, whereas the average daily cost for a hospital stay can be more than $10,000USD. Provincial coverage is inadequate and you should not rely solely on your provincial health care plan to cover costs of sickness or injury while traveling outside your province/territory of residence.

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