It is your responsibility to know the terms of your insurance policy. Carefully read the fine print to know when your insurer is obliged to pay. Never lie about your medical history when applying for travel health insurance or you could invalidate a subsequent claim.
Obtain approval from your insurer
vacheron constantin replica watches before undergoing medical treatment. Routine health checkups, non-emergency care, and cosmetic surgery are rarely covered by travel health insurance. Coverage may also be excluded for psychiatric disorders, drug- or alcohol-related incidents, or extreme sporting activities, such as bungee jumping and rock climbing.
Some insurance companies will not honour medical claims made for injuries suffered in a country for which the Government of Canada has issued an official Travel Warning. Coverage for injuries resulting from war may also be limited.
Get a detailed invoice from the doctor or hospital before leaving a country where you have received medical treatment. There is nothing more frustrating than trying to get the proper paperwork from thousands of kilometres away. Always remember to submit original receipts for medical services or prescriptions received abroad. Keep a copy of the submitted documents for your files.
Carry details of your insurance and tell your travel agent, a travel companion, and a friend or relative at home how to contact your insurer.