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Teacher Newsmagazine Volume 17, Number 3, November/December 2004

Medical travel insurance

Many teachers are looking forward to travelling during holidays. But 70% of teachers don’t carry enough extended health insurance through their employer plans to cover a major medical emergency when travelling outside B.C.—across Canada or out of the country. Almost 100% of the extended health benefits plans (EHB) don’t pay up front for emergencies. You must do the paperwork and seek reimbursement after you have paid medical bills. This can tie up your funds for months.

One member suffered from fainting spells while just across the border in Washington. He was taken to hospital, checked out, kept overnight, and released the next morning. The bill was $5,000 U.S. Fortunately, he had purchased out-of-province medical coverage, and all was taken care of.

Do not assume you are adequately insured before you travel. If you are leaving B.C. for any reason, for any length of time, obtain adequate insurance. You may not wish to risk using up the entire lifetime-coverage limit through your employer’s Extended Heath Care coverage.

As a BCTF member, you have access to the BCTF-sponsored MEDOC Out of Province/Out of Country Emergency Medical Insurance Plan if you choose. The plan provides travel insurance in one convenient package at a reasonable cost per month:

  • Flexible plan options offering multiple-trip annual plans of 17, 35, or 60 days to use as many times a year as you want.
  • Premiums as low as $6 per month include $5 million of medical coverage and $2,000 of trip cancellation and interruption with each trip.
  • Medical emergency claims are paid UP FRONT and all the paperwork, including the government portion is taken care of for you.
  • Also covers return of your vehicle, your children, pets, extra expenses, emergency dental, and much more.

For more information, call 1-866-799-0000 or visit www.johnson.ca/medoc_bctf.

Have yourself a safe and happy holiday.

– Dave Scott

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