Travel Insurance
Are you heading out on a much-deserved vacation? Make sure you protect yourself and your loved ones with Travel Insurance coverage just right for you.
Trusted Protection for Travelling Nova Scotians.
Outside Canada, your government health insurance coverage for hospital and medical costs is often very limited. Without coverage, your medical costs for an emergency could be significant and potentially financially devastating. Bauld Insurance has partnered with Xodus Travel Services to help protect you and your family from unexpected medical expenses when travelling out-of-country or just out-of-province.
Coverage for Medical Expenses
Emergency medical and all-inclusive plans offer an industry-leading $10 million limit for emergency hospital and treatment costs.
Coverage for Non-Medical Expenses
All-inclusive plans also provide coverage for trip cancellation, interruption and delay, lost baggage, missed connections, and more.
No Stability Clause
Pre-existing conditions are covered if you declare all medical conditions, treatments, and diagnoses from the last three years.
Individual Risk Ratings
Premiums for plans are determined by individual risk ratings, so your premium will be based on your health conditions.
Worry-Free Protection
Emergency assistance is available 24/7 provided by Exodus Travel Service. Dedicated case managers ensure you’re receiving proper emergency medical care.
Claims Experience
Claims assistance is available in real-time. When approved by Exodus Travel Services specialists, funds can be transferred wherever you are in the world.
Single-Trip Emergency Medical or All-Inclusive
Offers coverage from one day, up to your provincial health plan maximum. Extensions and top-ups are available. Single-trip plans are ideal for travellers taking one long trip, or one or two short trips out-of-province per year.
Multi-Trip Annual Emergency Medical or All-Inclusive
Offer coverage for any number of trips in the policy year of 10 or 18 days each, with available top-ups and extensions. Multi-trip plans are ideal for travellers heading out-of-province more than two times within a 12-month period.
Travel Insurance: Frequently Asked Questions
-
-
Why do I need travel insurance?
-
Travel insurance protects against unexpected expenses due to travel mishaps, illnesses or accidents outside your home province. From the expense of rebooking your flight to creature comforts during delays and even massive medical bills, travel insurance is there to keep you financially safe.
-
-
-
I have Nova Scotia provincial health care, do I need travel insurance?
-
The healthcare coverage provided by your province is quite limited when it comes to supporting you outside the province. Typically, you would only receive reimbursement for a small fraction of the cost of even a brief doctor’s visit in the USA or most other countries.
-
-
-
What is a pre-existing medical condition?
-
A pre-existing medical condition refers to any diagnosis, illness, or medical condition that you have prior to embarking on a trip. Travel insurance policies typically do not cover these conditions unless the individual is stable. However, with Xodus’ policies, you do not have to worry about stability periods. This is because Xodus has a personalized process where you declare all of your pre-existing medical conditions.
-
-
-
Who is eligible for travel insurance and when can you buy it?
-
You’re eligible for travel insurance coverage if you’re a resident of Canada at least 30 days of age and covered under a government health insurance plan. You can purchase no more than 60 days before your departure date, and right up to the moment you leave your province or territory of residence.
If you wish to extend your coverage while at your destination, make sure to buy the additional coverage before your current policy expires.
-
-
-
Do I have to add my child who just got their beginner license?
-
A driver who still has a Beginners or Learner’s license does not need to be listed on a car insurance policy until they have passed their road test and obtained their full License.
As long as they have their Learner’s License they need to have an experienced operator in the vehicle with them at all times so they do not need to be listed on the policy. Once they pass their road test, and get their drivers license, they need to be added to your policy.
-
-
-
Are travel insurance policies tax deductible?
-
The medical component of travel insurance policies can be tax-deductible. Xodus provides a tax receipt for your records.
-
-
-
What is family travel insurance coverage?
-
When travelling with your family, a family coverage policy can simplify things. These policies can cover up to 10 children along with parents or guardians.
-
-
-
I have an annual travel insurance plan, can I stay longer than the days I purchased?
-
We refer to these as top-ups. Essentially, you can purchase an additional policy that will start after your annual policy expires. This allows for seamless coverage during your longer trips, giving you peace of mind.
-
-
-
What is a travel insurance deductible?
-
Travel Insurance deductibles are the amount you pay before your insurance responds. Larger deductibles provide larger discounts.
-
-
-
Who is NOT eligible for travel insurance coverage?
-
The following individuals are not eligible for travel insurance coverage:
- You are travelling against the advice of a physician.
- You’ve been diagnosed with a terminal or metastatic cancer, or you require kidney dialysis.
- You are awaiting investigative testing – excluding genetic tests – the test results, or the beginning of
treatment for an unresolved condition. - You have been prescribed or used home oxygen during the 12 months prior to application.
- You have had a bone marrow, stem cell or organ transplant – except a corneal transplant
-
Be Well Protected When You Travel.
If you plan to travel out-of-country or even out-of-province, make sure you and your loved ones are well protected. It’s easy to get a travel insurance quote and buy online.
