Travel Insurance: Limitations and Exclusions

the next day, Gail worked diligently to identify options for medical equipment for purchase delivered to Patrick’s home, assist Julie with advocating for and coordinating assessments from a government homecare program, as well as coach Julie through the map of care and next steps. Gail also provided Julie with additional guidance on how she could prepare her home for safety during Patrick’s recovery. Lastly, Julie made a decision to hire a Personal Support Worker to be available to assist her husband in settling in at home following his discharge from the hospital. Gail helped identify Personal Support Worker organizations that best met Julie and Patrick’s needs and budget. All of the information was also documented in a customized, comprehensive report that Gail provided and reviewed with Julie, providing a road

How Eldercare Select Helped

Julie said, “Within hours, Gail began sending me critical information to assist with decision making. She also talked me through various scenarios and how we would deal with each one, in each case making sure my husband got the best care possible. We spoke often over the next few days. Having the nursing expertise from Gail alleviated a lot of stress and anxiety. I’ve called Gail in the weeks since discharge as my husband’s care situation has evolved, and she has been a great advocate for me in a complicated world.”

Can Eldercare Select Help You?

The Registered Nurses at Eldercare Select can provide guidance and coaching to RTAM Extended Healthcare Members facing any care giving challenge you are involved with, whether it be a spouse, parent, special needs child or even yourself. The service is provided to RTAM Extended Health Care members by Johnson Inc. Getting started is easy; call our help line at 1-888-327-1500 to speak directly with one of our highly trained Registered Nurses. The call is free and there is no cost to you to receive the coaching and guidance of the Registered Nurse Care Specialist. You should never feel alone in caregiving. With Eldercare Select, you never will.

Call today to find out how Eldercare Select can help you in your own caregiving challenge. 1-888-327-1500

It is strongly recommended that you carry travel insurance when travelling outside of your province of residence to cover unforeseen emergency care and transportation, as these costs may be significant. For example, although you may remain eligible for the Manitoba Health Services Insurance Plan (MHSIP) coverage for up to 212 days in a 12-month period for the purpose of vacation, MHSIP covers only some (limited) physician and hospital expenses outside Canada, as described in the website http://www.gov.mb.ca/health/mhsip.

Private insurance benefits vary from policy to policy, and it is important to check and pay particular attention to the limitations and exclusions. The Canadian Life and Health Insurance Association Travel guide lists the following common restrictions:

Pre-existing conditions - If your current condition is stable or under control by medication, and you are medically fit to travel, check your policy to see if you would be covered were an emergency to arise (e.g., if you are on antihypertensive medication and suffer a heart attack).

Extreme Sports - Participation in extreme sports, such as sky diving, or other high-risk activities, may be excluded.

War - Injuries caused by war may be excluded.

Destination - Some destinations

may not be included in your coverage. Before you travel, check for any travel advisories issued by either Foreign Affairs or International Trade Canada.