{"id":221,"date":"2014-03-14T19:52:00","date_gmt":"2014-03-15T02:52:00","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=221"},"modified":"2024-03-27T15:41:49","modified_gmt":"2024-03-27T22:41:49","slug":"emergency-travel-the-hidden-insurance-in-benefit-plans","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2014\/03\/14\/emergency-travel-the-hidden-insurance-in-benefit-plans\/","title":{"rendered":"Emergency travel: The hidden insurance in benefit plans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"221\" class=\"elementor elementor-221\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b17c2fd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b17c2fd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-08ba9e2\" data-id=\"08ba9e2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-94f9175 elementor-widget elementor-widget-text-editor\" data-id=\"94f9175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>By\u00a0<a href=\"https:\/\/www.immixgroup.ca\/emergency-travel.html#\">Katie Wray, Immix Group<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20bcc78 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20bcc78\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9287bf2\" data-id=\"9287bf2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a865716 elementor-widget elementor-widget-text-editor\" data-id=\"a865716\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Did you know that most benefits plans include emergency travel insurance?<\/p><p>Most clients and their employees either don&#8217;t know of this hidden benefit, or they&#8217;ve forgotten it. And, if they do happen to remember it, they probably don&#8217;t realize just how extensive their emergency coverage is for travel outside the province or country.\u00a0<\/p><p>In fact, this extended health care <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2021\/07\/13\/hybrid-traditional-flexible-employee-benefits-a-sample-design-for-smbs\/\">benefit<\/a> usually provides\u00a0<em>100-percent coverage<\/em>\u00a0for all emergency expenses incurred while travelling. These expenses aren&#8217;t just direct medical treatment and hospital expenses. They&#8217;re also the <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2021\/04\/20\/renewing-employee-benefits-in-2021-here-are-things-to-know-going-forward-to-keep-costs-down\/\">costs of such things<\/a> as prescription drugs, translation services, transportation home or to a different medical facility, return of lost luggage and passports, repatriation, return of vehicle and even hotel accommodations for family members.<\/p><p>Generally, this emergency coverage insures you and your dependents for up to 60 days of consecutive travel. The maximum coverage amount per person varies from insurer to insurer.<\/p><p>If you are covered under your plan, buying additional <a href=\"https:\/\/immixgroup.ca\/blog\/2024\/03\/27\/understanding-travel-insurance\/\"  data-wpil-monitor-id=\"3\">travel insurance<\/a> not only isn&#8217;t necessary; it could complicate and delay things when you make your claim.<\/p><p>Be aware, too, that most emergency travel plans have exclusions to coverage. Most will not cover you for travel to an area with a travel advisory or similar warning. Before you leave, always check to make sure there are no travel warnings for your destination (<a href=\"http:\/\/travel.gc.ca\/news-warnings\/warnings\" target=\"_blank\" rel=\"noopener\"><strong>http:\/\/travel.gc.ca\/news-warnings\/warnings<\/strong><\/a>).<\/p><p>Note that out-of-province emergency travel insurance covers emergencies only \u2013 in other words, unforeseen and unplanned medical expenses. That means you will not be able to claim a massage in Mexico, or plastic surgery in California!<\/p><p>Note also that trip cancellation is not usually covered. For that reason, make sure you purchase this coverage when you book your travel.<\/p><p>Before you book your next vacation, check with your <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2021\/10\/29\/top-8-faqs-for-business-owners-when-implementing-an-employee-benefits-plan\/\">benefits plan<\/a> provider to see if you have emergency medical coverage!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6142b8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6142b8c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-696f5e5\" data-id=\"696f5e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-943efa8 elementor-widget elementor-widget-global elementor-global-227 elementor-widget-text-editor\" data-id=\"943efa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<script src=\"https:\/\/apps.elfsight.com\/p\/platform.js\" defer><\/script>\n<div class=\"elfsight-app-83f14fdc-92b5-4456-9af4-0934ad166639\"><\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>By\u00a0Katie Wray, Immix Group Did you know that most benefits plans include emergency travel insurance? Most clients and their employees either don\u2019t know of this hidden benefit, or they\u2019ve forgotten it. And, if they do happen to remember it, they probably don\u2019t realize just how extensive their emergency coverage is for travel outside the province [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":60,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,6],"tags":[],"class_list":["post-221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employee-benefits-plans","category-travel-insurance"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=221"}],"version-history":[{"count":10,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/221\/revisions"}],"predecessor-version":[{"id":566,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/221\/revisions\/566"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/60"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}