Why Coverage for Domestic Travel?

Why should I purchase Travel Medical Insurance for domestic travel:

each province's health plan covers its own distinct list of medical services for out-of-province travellers
not all provinces have reciprocal billing agreements

That could mean...

you might incorrectly assume that your own provincial health plan would sufficiently cover any travel medical expenses you incur
certain benefits and services that you would assume are covered under the provincial plan of the 'destination' province may not, in fact, be covered

The Result:

You may have to incur unexpected, out-of-pocket medical expenses while travelling out of your home province.

The Solution: CIBC's Travel Medical Insurance

CIBC's Travel Medical Insurance can help you to 'fill in the gaps' of provincial health plans in a number of areas.

Travel Medical Insurance can arrange payment for eligible medical expenses, and
Travel Medical Insurance can also take care of a host of related emergency logistics and expenses that could arise in a travel emergency.

How Can Travel Medical Insurance Help to Manage in a Crisis? Travel Emergency Assistance

When an emergency strikes, people can get help – night or day -- through our 24-hour Travel Emergency Assistance line. This support line will help out-of-province travellers to:

find a doctor, hospital or other medical facility in the area
monitor the customer's condition and keep their family informed
replace lost essential travel documents
organize medical emergency transportation

Easing the Pain of Travel Medical Emergencies

Anyone who has experienced a travel medical emergency knows that such emergencies involve more than just medical expenses. There may be costs involved to transport the insured's loved ones, accommodation costs for extended stays or even the cost of getting a vehicle back home. CIBC's Travel Medical Insurance provides benefits* for a number of such needs and more.

Managing travel contingencies

The headaches and hassles of travel – lost, stolen or delayed baggage or other personal items – are the last thing travellers want to be bothered with. CIBC's Travel Medical Insurance eases the burden of managing these contingencies by:

providing assistance on the proper reporting procedures and contacts for lost, stolen or delayed baggage when using a common carrier
helping to replace lost or stolen airline tickets
arranging emergency cash
arranging emergency message services for customers, their family, friends and business associates
helping customers obtain prescription drugs (approved by their physician) and other necessary personal medical items which may have been forgotten, lost or depleted
arranging legal services

Set off on your Canadian travels with a clear and easy mind, through the protection of CIBC's Travel Medical Insurance.

In case of a medical emergency, travellers can be covered for some of the following benefits through CIBC's Travel Medical Insurance:

Hospital and physician's bills - emergency treatment and related expenses including, but not limited to, prescribed medication, investigative testing and surgery
Transportation to the bedside - round-trip airfare or transporting a relative to the customer's bedside if they are hospitalized on an insured trip, in a critical emergency
Return of dependent children or travelling companion - one-way airfare cost for CIBC TMI-insured children/travelling companions with insured customers at the time of an emergency (in the event that they are sent home because the customer has to return home by air or ground ambulance, we would also pay up to $250 for resulting incidental expenses).
Return of vehicle - expenses to return a customer's vehicle to their residence or a rental vehicle to the nearest rental agency, if the customer or those travelling with them are unable to do so, due to an emergency.
Incidental expenses if hospitalized for an emergency
Meals and accommodation if a trip is delayed - reasonable additional expenses when the return portion of a customer's insured trip is delayed beyond the scheduled return date due to an emergency or death of an extended family member or travelling companion.

* A detailed summary of the terms, conditions, limitations, exclusions and other provisions is contained in the Certificate of Insurance that is provided to you when you purchase CIBC Travel Medical Insurance.

The information in this article is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual.