Backpacker Insurance and Expat Policies for Longer Absences

These medical policies are for Canadians without OHIP, MSP or other provincial medical plans. Quote all the available medical insurance plans for Canadian expatriates.

Global expatriates fall into three categories:

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Canadiens de retour au pays
Les expatriés qui ont quitté le Canada pendant une longue période et qui ne sont plus couverts par leur régime provincial de soins de santé doivent présenter une nouvelle demande. Ces « rapatriés » doivent attendre que leur demande soit approuvée et que la période d’attente obligatoire passe avant qu’ils ne soient couverts par leur plan provincial (habituellement de 65 à 91 jours selon la province, mais cela peut prendre plus de temps). Trois mois, c’est long pour ne pas avoir de couverture médicale au Canada parce qu’il y a des accidents et des maladies et les hôpitaux canadiens peuvent être coûteux.

Heureusement, les Canadiens de retour au Canada peuvent acheter une politique sur les visiteurs au Canada auprès de l’une ou l’autre des entreprises que nous offrons pour combler l’écart dans la couverture qu’ils doivent assumer pendant leur période d’attente. Choisissez simplement Global Expats puis Returning Expats dans le coin supérieur gauche de cette page pour obtenir un devis et regarder la couverture disponible. Nous allons commencer par vous montrer les forfaits de 100 000 $, mais vous pouvez changer les niveaux de couverture sur votre page de devis. Nous recommandons d’avoir un plan d’au moins 100 000 $, même s’il existe des options moins importantes.



Image result for glacial lakeDeparting Canadians
Vous en avez eu assez ? Vous êtes parti pour des pâturages plus verts pendant un certain temps ? L’expérience internationale peut être inestimable et peut exiger plus qu’un simple séjour de courte durée à l’étranger. Étudier ou travailler à l’étranger peut prendre plus d’un an. Pour certaines personnes, 'backpacking' ou d’autres formes de voyage 'recherche' peut prendre des années. Si c’est le cas, l’assurance hospitalisation et médicale pour expatriés est un bon moyen d’assurer contre les pertes financières associées à des dépenses médicales étonnamment élevées. Pour les routards, il peut en fait se révéler moins cher que l’assurance médicale de voyage régulière.

Votre fournisseur de soins de santé provincial ne vous permet habituellement pas d’être absent pendant plus de 182 à 183 jours (212 en Ontario et à Terre-Neuve) par an et continue d’être couvert par son plan de soins de santé. Cependant, il est possible, si vous leur parlez et obtenez leur approbation, que vous ayez une absence prolongée (voir notre page de liens pour les numéros de contact).


All Canadian travel insurance providers require you to be covered under a provincial plan for your entire trip to be covered under one of their travel medical insurance plans. So if you are travelling longer than six months, it may be appropriate for you to cancel your provincial health coverage by notifying them that you will be leaving the country on an extended absence. Then, you would need to purchase an expatriate health insurance plan to have yourself and your family's finances protected against the possibility of accident or illness abroad. You may only need this coverage in place for a certain waiting period before becoming covered under a plan provided to you, in the country that you are going to. If that is not the case, you may have this expatriate coverage for as long as necessary, but you must reapply after each year.

How does expatriate coverage compare (price-wise) to regular travel medical insurance? Generally, it's more expensive and the coverage is less because the insurance company cannot easily minimize their risk exposure by returning you to your province for further care. But for younger travellers, it can actually be less expensive than travel medical insurance (which offers more coverage).

Let's take an example of someone age 43 from BC travelling outside the USA, purchasing one year of $500,000 expatriate health coverage. They stop their provincial coverage, so that saves the person $75.00 per month or $900.00 per year. The Allianz expatriate plan would cost $1,332 (including a 12% prepayment discount). If they received special permission (from provincial health provider) to allow them to remain on their provincial plan, they would be able to obtain a single trip (365 day) travel medical policy ($5,000,000) that would cost $876, but they would also have to pay the $900 for provincial coverage. So in this example, expat coverage is not overly expensive (it's actually $444 cheaper), but the coverage is less and the process is more cumbersome (a traveller would need to cancel provincial coverage and then re-apply when they return).

Using the same example, if the person is 58 years old, the expatriate plan would be $2,436, which is almost the same cost at the $900 provincial coverage plus a basic travel medical policy for $1,533.73. However, for a 23-year-old, the expatriate plan would only be $840, which is quite a bit less than the same $900 provincial coverage plus $448 for a 365-day travel medical plan. There is a smaller $100,000 maximum coverage plan available which could save even more money. While that's something a backpacker might think about, we don't recommend using an expatriate plan with less than $500,000 in coverage because the critical role travel insurance provides is to protect against catastrophic loss due to sudden, dramatic and severe injury or illness. There is no point in having insurance if it only covers half of what you need when you actually need to have it. 

You can get a quote for expatriate travel medical insurance by going to the top left corner of this page and clicking on Global Expats and then Canadian Expats. We have a few plans to look at, but for a complete search of all your options from Canadian and international suppliers, please call us toll-free at 1-888-888-0510. We'll help find a plan that works for you. 

Your other insurance option is to obtain permission from your provincial plan provider for a one time extended absence (worthwhile if you are not paying for your provincial coverage), which allows you to buy coverage under a regular Canadian travel health insurance policy (which comes with a higher maximum limit). Most Canadian insurance companies will allow you to purchase coverage for one year, and we now also have a two-year policy available.  For trips longer than six months, we need to ensure that you have the correct coverage in place, so please call us toll-free for assistance at 1-888-888-0510.

Image result for japan socialInternational Expats
The other category of expats might have nothing to do with Canada! International travellers leaving their country of residence (not Canada) who may need travel insurance while they travel (majority of time outside Canada) can obtain a quote and purchase coverage with the following links, but please call us at 1-888-888-0510 for assistance.

Of the plans below, HCC will have the most affordable rates, BUT “The Atlas Series is not available to individuals who are physically located in the state of New York, Maryland, or Washington or in the country of Canada or Australia at the time of purchase”.

 

HCC Medical InsuranceAtlas Series 
Whether you are travelling for business or pleasure, the Atlas plan may be just what you're looking for. Plans are available from a minimum of 5 days up to a maximum of one year.
At no additional cost, the Atlas Series adds coverage for Emergency Medical Evacuation, Acts of Terrorism and Complications of Pregnancy.
Get Quote.

 International Medical GroupPatriot Travel Medical Insurance 
Designed to meet the needs of international travellers looking for temporary medical insurance coverage while travelling outside their home country. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $2,000,000.

There are two plans available:  Patriot International provides coverage for U.S. citizens travelling outside the U.S., and Patriot America provides coverage for non-U.S. citizens travelling outside their home country. Get Quote.

World Escapade Insurance for International TravelersWorld Escapade
World Escapade offers travel medical insurance solutions for young travellers who want medical coverage outside their country of origin.
World Escapade is unique in that we can insure travellers from most countries for trips to virtually any country and destination (except war zones and other countries or regions where travel is not recommended).
Get Quote

IMG Global Medical Insurance QuoteGlobal Medical Insurance
Global Medical Insurance (GMI) is a flexible, long-term, annually renewable, U.S.-style major medical insurance program designed for U.S. citizens living abroad, and non-U.S. citizens throughout the world.
GMI offers the flexibility to select from an assortment of four unique benefit plan options — Silver, Gold, Gold Plus, and Platinum — each with different levels of coverage. In addition, there are different areas of coverage available, optional riders, flexible underwriting methods, as well as multiple deductibles and modes of payment. Get Quote........ Get Brochure...... See Paper Application...... See Rates