If the nature of your employment involves frequent business trips, then you will want to ensure you are adequately covered by travel insurance.
Most insurance plans cover medical emergencies, trip cancellation, trip interruption, delays, medical evacuation, and lost/damaged or stolen luggage. If you are driving, you must have driver and vehicle coverage in case of an accident.
At the minimum, travel insurance should cover three essential things: medical evacuation (medical evacuation to Canada or the nearest place with appropriate medical care), pre-existing medical conditions, and repatriation in case of death.
There are several misconceptions about travel insurance, so make sure you learn everything you can about your plan and the company that is covering you. Specifically, make sure you are aware of the cap on your travel insurance plan. This is the total amount of money an insurance plan will pay in benefits. Once a patient’s medical bills reach the total/cap, the plan will no longer provide coverage.
It is your responsibility to know and understand the terms of your insurance policy so be sure to have a thorough read-through prior to purchasing.
If you are denied coverage by your travel insurance, please contact us at JEWELL RADIMISIS JORGE LLPfor a free consultation.