Business Travelers Need Medical Insurance when Visiting Fort McMurray
To keep you secure and safe, you will need Fort McMurray travel insurance whether you are travelling for pleasure or for business. Despite its name, one size fits all insurance coverage does not fit all travelers. When you are travelling for business to Fort McMurray, whether it is for oil sands work or other industries, emergency medical insurance is a must to avoid getting stuck with a five figure (or worse) medical bill.
Yes, Everyone Needs Insurance
A recent study reported in Fort McMurray Today stated that 83 per cent of Canadians will be going on some sort of vacation or business trip outside of their province this year. Only half of those will purchase travel insurance. The other half are setting themselves up for feeling the repercussions from an accident for many years to come.
If you are leaving your province for business, you need Fort McMurray travel insurance. Even if you are trust coming to Fort McMurray for a day for a meeting, supplementary travel insurance is an inexpensive way to make sure you are not left with a hefty hospital bill. Even if you are the resident of a neighboring province, little if any of the medical costs will be reimbursed by your provincial health plan.
For business travelers, you can usually find a Fort McMurray travel insurance plan that will cover emergency medical and hospital expenses for both injury and illness. Also bundled in, you might also be able to get lost luggage coverage, accidental death insurance, and flight cancellation insurance.
What You Should Now About Your Travel Insurance
There is a lot of variation between different Fort McMurray travel insurance policies. Your only guideline should not be the price. Your individual needs and personal health profile should also be taken into consideration. Ask your broker the following questions when picking a plan:
· Does the policy cover the return of the deceased or burial or cremation at the place of death in case of death?
· If appropriate, is prenatal care and premature birth covered?
· Are visits to health care providers paid for?
· Does it cover ambulance services?
· Is there a 24 hour a day, seven day a week emergency contact number for the plan?
· Are dental emergencies covered?
· While you are away, can you renew your insurance if there is a possibility that you may extend your trip?
· How will you be reimbursed for out of pocket expenses?
· Is it clear how to make a claim?
· Will you be able to get a medical evacuation from Fort McMurray in the event of an emergency with the policy?
· Will it cover prescription medications related to injury or illness?
· Are air ambulances covered?
· Are cash advances or direct medical payments for bills available?
· What is the deductible?
· For both injuries and illness, are medical and hospital costs covered?
In addition to the above questions, you want to be sure that you will not fall under any exclusions. If you are travelling on business, exclusions are unlikely. Exclusions typically include acts of war, extreme sports, psychiatric disorders, check-ups, alcohol or drug related incidents, cosmetic surgery, and non-emergency care. Be sure to go over the policy closely with your broker.
If you go with a good insurance broker, they will be able to answer all of these questions for you in terms you can understand. pucherinsurance.com knows all of the most popular policies the insurance carriers are offering and can give you quotes on a vast array of affordable plans. They can also makes sure the plan you get is relevant to your personal needs.