Travel insurance: Put your knowledge to the test!


Do you really know what's included and excluded in your contract ?

Adèle Manseau | Desjardins Group

Travel insurance is one of those topics that seems to be filled with common misconceptions. Before you head out to see the world, let's find out how informed you are!

1. If a medical problem occurs, when should you contact your travel insurance?
a) Before going to a hospital or clinic.
b) As soon as you're hospitalized.
c) When you leave the hospital.

Answer: a. If you don't call first, you might have to pay a percentage of the costs... and in the United States, just one day in the hospital can cost anywhere from $7,000 to $100,000!

2. How many days a year can you travel outside of Quebec/Ontario without losing your provincial health insurance plan coverage?
a) Quebec: 65 days / Ontario: 84 days
b) Quebec: 182 days / Ontario: 212 days
c) Quebec: 124 days / Ontario: 186 days

Answer: b. If you're out of the province for more than 182 days* or 212 days (depending on your home province) in one calendar year, you will no longer be covered by your provincial health insurance plan for that year. To be eligible for travel insurance, you must be covered by the government health and hospitalization insurance plans of your province of residence for the entire duration of your trip. 

3. Match each travel destination with its most common travel insurance claim
a) Bringing an RV back home after an accident
b) Indigestion or food poisoning
c) Roadside assistance
d) Sprains
e) Sunstroke or heatstroke
f) Falls
g) Pneumonia caused by the contrast between the plane's air conditioning and the country's climate
h) Scooter or tuk-tuk accident

1) Spain and Portugal
2) Florida
3) Mexico
4) Arizona, California, New Mexico, Texas, Utah
5) South-East Asia (Cambodia, Malaysia, Thailand, Vietnam)

Answers:
a): 2 and 4
b): 5
c): 2
d): 1 (e.g. Camino de Santiago)
e): 4
f): 3
g): 1
h): 5

4. How much would these incidents cost if you didn't have travel insurance?
You're playing cowboy. You fall off a mechanical bull and break your arm:
a) $2,000
b) $20,000
c) $125,000

Answer: b. Travel insurance would cover these medical costs as long as this wasn't a competition with a cash prize. 

You fall off your bike and need to be brought back to your home province by air ambulance:
a) $9,000
b) $29,000
c) $79,000

Answer: c

After an accident or sudden illness, the doctor onsite tells you that you're no longer fit to drive your RV. What is the eligible amount for repatriating your vehicle?
a) $0
b) $500
c) $2,500

Answer: c. This will cover the costs of a professional vehicle transport agency or plane ticket, as well as the costs to cover a friend or family member coming to get the vehicle. 

5. Which of the following activities aren't covered?
a) Surfing
b) Rallies through the desert
c) Cage-diving with sharks
d) Riding a personal watercraft
e) Water skiing
f) Ziplining
g) Heliskiing

Answers: b, c and f

Good to know

Know what's included and excluded 
Take the time to read your contract and ask your insurer about any points that need clarification. Learn about your destination and what it's like, so that you're prepared on arrival.

Free travel assistance for Desjardins members
Get advice and assistance 24/7, before and during your trip, outside your province of residence or abroad. Family members travelling with you--your spouse and children--enjoy the same benefits. 

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* Trips of 21 days or less are not included in the 182-day total, nor are departure and return dates.
Note: Travel insurance policies vary from one company to the next. The examples, exclusions and amounts mentioned in this article are based on those for Desjardins travel insurance. 

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