Toronto Out-of-town Travel: Health Insurance When Crossing The Border
(NC)-When it comes to short border trips to the United States, many Canadians unfortunately never think of medical travel insurance. A recent survey by RBC Insurance/Ipsos Reid found that only 42 per cent Canadians always purchase travel insurance for leisure trips to the United States.
Most people never worry about having a medical emergency while on a short getaway and may not know medical assistance in the United States can be very expensive.
A two-day stay in a U.S. hospital for chest discomfort could cost US$10,800, with only US$400 being covered by a Government Health Insurance Plan (GHIP). A 13-day U.S. hospital stay for trauma associated with a motor vehicle accident could cost US$113,300, with only US$5,200 covered by GHIP. An appendectomy, which usually involves a two-day stay, could cost US $18,500, with GHIP covering only US$800.
Government health insurance plans typically do not cover all out-of-country expenses and credit card and employer plans may have limits, so it's important to make sure you have additional travel insurance to fill in the gaps.
Next time you're making travel arrangements, ask for RBC Insurance Company of Canada. You can also get a quote online at www.rbcroyalbank.com/travel, call 1-800-565-3129 or visit your local RBC branch.