Ask Our Specialists

She has extensive health problems that will require care abroad. Someone like this is clearly leaving with the intent of accessing care abroad. Impossible to say what is covered or not in a unique case like this one. We don't know all the circumstances here. I am going to caution you to read the policy and the list of exclusions very carefully. Please read this specific exclusion below on the TravelGap Excursion plan, which reads: "Treatment or medical services required while traveling against the advice of a physician, while on a waiting list for a specific treatment or when traveling for the purpose of obtaining medical treatment." 1. Please read the plan description and the exclusions carefully. /travel-health-insurance/ 2. Yes. 3. This depends on the plan design selected. A deductible may apply based on the plan chosen. 4. A member can seek care from any provider overseas. Benefits are paid at 100% of reasonable fees, less the plan deductible. HTH has a small number of select doctors, hospitals and clinics under contract in Toronto. Due to Canadian law, they are not permitted to publish the actual details and profiles of the doctors. Only registered members are permitted to access the hospital list online. 5. Canada has a national health system. Contracting with private medical insurers can be a challenge for public hospitals. There is a possibility that a member will have to pay upfront if they go to a non contracted provider. 6. Home health is not covered. See the certificate for all exclusions. 7. The rate does not vary.