{"id":2431,"date":"2016-11-18T04:51:48","date_gmt":"2016-11-18T04:51:48","guid":{"rendered":"http:\/\/contelawyers.ca\/?p=2431"},"modified":"2016-11-18T04:51:48","modified_gmt":"2016-11-18T04:51:48","slug":"travel-insurance-canada-to-usa-lawyer","status":"publish","type":"post","link":"https:\/\/contelawyers.ca\/travel-insurance-canada-to-usa-lawyer\/","title":{"rendered":"How to Stay Protected When Going South for the Winter"},"content":{"rendered":"

Going South for the Winter: Essential Information for Snowbirds – Travel insurance Canada to US
\n<\/span><\/h2>\n

The cold weather is well on its way. This means that for many people, it\u2019s time to start going South for the winter.<\/span><\/p>\n

But we\u2019ve all heard those horror stories about Canadians who seek medical help on vacation in the USA, only to come home to a hospital bill for tens of thousands of dollars. <\/span><\/p>\n

This doesn\u2019t have to be your reality. You should be able to enjoy your life as a snowbird without facing a bill that will put you in debt.<\/span><\/p>\n

Winter vacations in the USA are popular for Canadians, especially to those ideal snowbird destinations like Florida. So when you\u2019re planning your trip, make sure you\u2019re prepared. <\/span><\/p>\n

Read this information carefully to avoid living one of those hospital bill horror stories.<\/span><\/p>\n

\"Plane<\/p>\n

The Difference for Snowbirds <\/span><\/h3>\n

You need insurance to travel to the USA, regardless of how long you\u2019re going for. <\/span><\/p>\n

However, there\u2019s a difference between going for a week or two and going for the whole winter. It\u2019s important that you understand these differences before you head out. <\/span><\/p>\n

Under the Ontario Health Insurance Plan (OHIP), Ontario residents are only covered for minimal out of country <\/span>coverage<\/span><\/a>. This is only for a very specific range of conditions or situations. <\/span><\/p>\n

Most of the time, it only covers emergency situations that require immediate care. And it generally won\u2019t cover the whole bill. OHIP members get reimbursed $200 per day for inbound emergency services, and $400 per day for operating room services. <\/span><\/p>\n

You will have to obtain coverage from a private travel insurance company to make sure you are covered during your trip. <\/span><\/p>\n

Snowbirds also need to consider their car insurance policy. If you\u2019re driving down south make sure you know what\u2019s in your policy when it comes to driving or taking your car out of the country. <\/span><\/p>\n

Even if you\u2019re renting a car, review both your policy and the rental company\u2019s policy. Some rental companies only <\/span>insure<\/span><\/a> for up to 30 days. <\/span><\/p>\n

Many popular snowbird destinations are RV parks. If you\u2019re staying in one of these locations, you\u2019ll also need to look into home insurance options so that you\u2019re covered for <\/span>premises liability<\/span><\/a>.<\/span><\/p>\n

\"Calculator<\/p>\n

Snowbird Travel Insurance Options <\/span><\/h3>\n

Travel insurance for the USA is essential if you\u2019re planning on spending your winter there. <\/span><\/p>\n

When you consider your options, review the insurance policy coverage. Don\u2019t just compare prices.<\/span><\/p>\n

There are two <\/span>types<\/span><\/a> of travel insurance: single trip and multi trip.<\/span><\/p>\n

Single trip insurance covers you for a certain amount of time. It\u2019s meant for long term trips without any return visits back to Canada during the duration of your stay. <\/span><\/p>\n

Multi trip insurance covers you for unlimited trips to and from Canada for the whole year. This policy is best if you plan on making some return trips home. However, this policy only covers a certain amount of consecutive days at a time for your trip. <\/span><\/p>\n

Once you\u2019ve chosen a company and begin your policy, you\u2019ll have to meet eligible criteria. This includes filling out a questionnaire and disclosing any previous medical conditions. <\/span><\/p>\n

Lastly, make sure you check for <\/span>travel advisories<\/span><\/a> in place by the Government of Canada. If you are traveling to a location that\u2019s under a travel advisory, it will affect your eligibility for travel insurance.<\/span><\/p>\n

\"Beach<\/p>\n

What to Know Before You go<\/span><\/h3>\n

One in ten travel insurance<\/a> claims for accidents that happen out of country are <\/span>turned down<\/span><\/a>, and it\u2019s very often that this happens because the form was incorrectly filled out. <\/span><\/p>\n

Read your insurance policy carefully and that you\u2019ve filled out every detail correctly. Even if you miss one minor detail, this could cost you. <\/span><\/p>\n

Ask your physician or family doctor to help you go over the forms. This will ensure that you are filling everything out as accurately as possible. <\/span><\/p>\n

Health care in the USA is not cheap, even just for a day\u2019s worth of care. This could add up to thousands of dollars. <\/span><\/p>\n

Travel insurance is also only used for emergencies, so be prepared if you have a pre-existing condition. Stock up on medications and bring extra supplies so you don\u2019t run out.<\/span><\/p>\n

\"<\/p>\n

What to do if You\u2019re in an Out of Country Accident
\n<\/span><\/h3>\n

Accidents happen, whether you\u2019re covered or not. The best thing you can do is be prepared. <\/span><\/p>\n

Go to the hospital as soon as you feel something wrong. If you wait, you could be considered at fault if your condition gets worse. For many insurance companies, this is grounds to deny your claim. <\/span><\/p>\n

When you make a claim to your insurance company, you\u2019ll be reimbursed for whatever costs you were covered for by that policy. Sometimes this might not be enough. <\/span><\/p>\n

That\u2019s when it comes time to get the compensation you need.<\/span><\/p>\n

Speak with a <\/span>personal injury lawyer<\/span><\/a> as soon as you can. Many travel insurance claims are negotiable, and a professional can make sure you get what you deserve. <\/span><\/p>\n

Accident benefits are different in other countries than they are in Ontario. It\u2019s important to understand what you\u2019re entitled to. That\u2019s where we can help.<\/span><\/p>\n

\"Beach<\/p>\n

Conte & Associates Can Get You the Compensation You Need <\/span><\/h3>\n

If you\u2019ve been in an accident while spending your winter vacation in the USA, Conte & Associates can help. An injury can ruin your holiday, but it doesn\u2019t have to ruin the rest of your life. <\/span><\/p>\n

Our experienced team of personal injury lawyers can get you on the right track to recover from an accident out of the country. We\u2019ll fight aggressively so you don\u2019t have to suffer any more than you already have. <\/span><\/p>\n

We work with the top medical experts in Ontario to get the best support for your claim. Don\u2019t wait any longer.<\/span><\/p>\n

Contact us today for a free consultation to get your life back on track.<\/span><\/p>\n

\"Going<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Going South for the Winter: Essential Information for Snowbirds – Travel insurance Canada to US The cold weather is well on its way. This means that for many people, it\u2019s time to start going South for the winter. But we\u2019ve all heard those horror stories about Canadians who seek medical help on vacation in the […]<\/p>\n","protected":false},"author":3,"featured_media":2442,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[232,109,80,98],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/posts\/2431"}],"collection":[{"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/comments?post=2431"}],"version-history":[{"count":0,"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/posts\/2431\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/media\/2442"}],"wp:attachment":[{"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/media?parent=2431"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/categories?post=2431"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/contelawyers.ca\/wp-json\/wp\/v2\/tags?post=2431"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}