deductible is the amount you will pay before your insurance starts paying. for example if your deductible is $50 for a doctor visit and if doctor charges you $200 then you will pay the first $50 and rest $150 is paid by the insurance.
How does travel insurance work, I mean if go online, select a plan let’s say; Destination Canada, then get a receipt and emergency number. Incase of emergency there are two types of situations:
Canada is not like the US there are no in network hospitals every hospital is accessible to any Canadian if you have a valid health card. Would mention that there are some slight issue when you are visiting another province but those are not huge issues. If you had a health issue that wasn’t a true emergency like most cases of the flu I would call and ask about whether you have coverage. There is nothing you can actually do for the flu so there wouldn’t be a need to see a doctor unless you couldn’t keep down fluids and have become dehydrated and need IV fluids or have become extremely lethargic and needs further medical intervention. For true emergency go to the hospital or call 911. You should have insurance as long as it isn’t related to a preexisting condition that is not covered based on your policy. You have to look at each policy. Insurance companies are known for trying to get out of paying bills so make sure you provide an accurate medical history. If you were at the hospital you can call the insurance company and they get involved at that point if you are impatient. If you go see a GP you likely will have to pay and get reimbursed. Most Canadian doctors only know how to deal with their own provincial billing and maybe cash rates.
DestCanada have very helpful Customer Care executives.
Its not bad.
Also, I presume they have e wallet card do you just the hospital and they will honor, like a regular medical card. This is what insurance agent told me on some website.
Not all policies give you a wallet card. Most Canadian hospitals and doctors are not set up to take international insurance with just a swipe. Their systems are set up to use the provincial healthcards
