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Réseau FADOQ est le plus important regroupement de personnes de 50 ans et plus de la province et la référence en matière de qualité de vie des aînés québécois. En savoir plus

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre langue et votre secteur.

It is the largest group of people aged 50 and over in the province and the benchmark for the quality of life of Quebec seniors. More info

To find out about products and offers in your area, please indicate your language and sector.

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre secteur.

To know the products and offers in your region, please indicate your sector.

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Désolé, aucune région n'a été trouvée pour le code postal demandé. Veuillez essayer avec un autre code postal ou faire le choix de votre région manuellement.|Sorry, no region was found for the requested postal code. Please try with a different postal code or choose your region manually.

Close X

Réseau FADOQ est le plus important regroupement de personnes de 50 ans et plus de la province et la référence en matière de qualité de vie des aînés québécois. En savoir plus

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre langue et votre secteur.

It is the largest group of people aged 50 and over in the province and the benchmark for the quality of life of Quebec seniors. More info

To find out about products and offers in your area, please indicate your language and sector.

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre secteur.

To know the products and offers in your region, please indicate your sector.

Choisissez votre langue|Choose your language

Choisissez votre région|Choose your region

ou|or Trouver ma région par code postal|Find your region by postal code

Trouver ma région par code postal|Find your region by postal code

ou|or Choisissez votre région|Select your region in a list

Désolé, aucune région n'a été trouvée pour le code postal demandé. Veuillez essayer avec un autre code postal ou faire le choix de votre région manuellement.|Sorry, no region was found for the requested postal code. Please try with a different postal code or choose your region manually.

Did you know ?

Travel insurance: an ounce of prevention

You put a lot of time and energy into planning your trip. But what about your travel insurance?

Fortunately, when it comes to cancellations, medical emergencies, and lost baggage, peace of mind is just a phone call away.

According to The Travel Health Insurance Association of Canada (THIA), in 2013 nearly 40% of Quebecers travelled to the U.S. or another Canadian province without travel insurance coverage.

Why buy travel insurance?

Travel insurance protects you against unexpected emergency expenses associated with medical care as a result of an illness or accident, or even expenses incurred as a result of a death outside the country.

The Régie de l’assurance maladie du Québec (RAMQ) doesn’t always provide full reimbursement for expenses incurred in these types of situations. What’s more, healthcare costs are typically higher outside Quebec than they are here at home.

It is therefore essential to purchase private travel insurance to cover all or part of any expenses not reimbursed by the Régie. Taking out travel insurance before you leave will spare you any unpleasant or unexpected surprises.

A few examples

Medical treatment in the USA

Urinary tract infection
Billed in CAD
$600 + prescription drugs
Maximum reimbursed by RAMQ
25 $
Amount payable by uninsured patient
575 $
Food poisoning
Billed in CAD
750 $
Maximum reimbursed by RAMQ
25 $
Amount payable by uninsured patient
725 $
Ear infection
Billed in CAD
1 250 $
Maximum reimbursed by RAMQ
25 $
Amount payable by uninsured patient
1 225 $
Fall with no broken bones
Billed in CAD
No surgery required
30 000 $
Maximum reimbursed by RAMQ
50 $
Amount payable by uninsured patient
29 950 $
Pneumonia
Billed in CAD
35 000 $
Maximum reimbursed by RAMQ
$400/day or $2,400 /6-day hospitalization
Amount payable by uninsured patient
32 600 $
Stroke
Billed in CAD
62 000 $
Maximum reimbursed by RAMQ
$400/day or $2,000 /12-day hospitalization
Amount payable by uninsured patient
57 200 $
Heart attack (without bypass)
Facturés en $ CA
100 000 $
Maximum remboursé par la RAMQ
400 $/jour ou 2 000 $/séjour de 5 jours
Facture à payer par le patient sans assurance voyage
98 000 $
Heart attack (with bypass)
Billed in CAD
305 000 $
Maximum reimbursed by RAMQ
$400/day or $9,200 /23-day hospitalization
Amount payable by uninsured patient
295 800 $

I am a Quebec resident. Why purchase insurance for travel within Canada?

All Canadians have health insurance. However, coverage under public plans varies from one province or territory to the next. Therefore, coverage for medical care and prescription drugs may not be the same.

When you compare the minimal cost of travel insurance to that of receiving medical care outside Quebec, it’s hard to imagine doing without. So be sure your packing list includes travel insurance with emergency medical coverage, and enjoy your trip!

Source: AssuranceVoyages.ca

Note: This blog post is provided for information purposes only. It is not a substitute for professional legal, financial or fiscal advice. For advice specific to your personal situation, always speak with your advisor. AssuranceVoyages.ca cannot be held responsible for any decision made as a result of reading this blog post.

Travel insurance advice is provided by the advisors of AssuranceVoyages.ca, a subsidiary of SSQ Insurance.

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