As winter approaches, many Canadians from Burlington, Milton, Brampton, Dunnville, Moncton, and Calgary are planning their escape to warmer destinations. At AIM Insurance, we understand the importance of protecting your health and peace of mind while traveling. Here's your comprehensive guide to emergency medical coverage for winter travel.
Why Emergency Medical Coverage is Critical
Provincial healthcare plans cover only about 10% of emergency medical costs when you're outside Canada. With medical expenses in popular winter destinations potentially reaching thousands of dollars, comprehensive travel insurance isn't just recommended โ it's essential for protecting your financial well-being.
Understanding Your Coverage Needs
For winter travelers, we recommend a minimum of $5 million in emergency medical coverage. This amount ensures you're protected against various medical emergencies, including:
Hospital stays and emergency room visits
Physician services
Prescription medications
Medical evacuation if needed
Ambulance services
Follow-up care
Special Coverage for Pre-existing Conditions and Medication Changes
At AIM Insurance, we understand that health conditions and medications can change, even close to your departure date. That's why we offer specialized coverage options for travelers with:
Recent medication adjustments
Pre-existing medical conditions
Changes in treatment plans
New health conditions
Unlike many standard policies that require long stability periods, our comprehensive coverage options include:
Coverage for conditions with recent medication changes
Flexible stability period requirements
Options for travelers with multiple pre-existing conditions
Clear documentation requirements for easy claims
Expert Tip: Always disclose any medication changes or health conditions when applying for coverage. Our experienced brokers at any of our locations in Burlington, Milton, Brampton, Dunnville, Edmonton, or Calgary can help ensure you have the right protection
Key Considerations for Ontario, Alberta and Maritime Residents
For our Ontario clients:
You can maintain OHIP coverage while away for up to 212 days in any 12-month period
Ensure your policy covers pre-existing conditions
Consider multi-trip annual plans if you make several shorter trips
For our Alberta clients:
Alberta Health Care coverage continues during temporary absences
Coverage for pre-existing conditions varies by policy
Options for both single-trip and annual coverage available
For our Maritime clients:
New Brunswick Medicare covers basic physician and hospital services in other provinces (except Quebec)
Standard ward hospital accommodation and necessary nursing services included
Laboratory and diagnostic services covered with proper referrals
Prescription medications only covered during hospital stays
Recommended minimum $5 million in emergency medical coverage for travel outside Canada
Special Considerations for 2025
Recent changes affecting Canadian winter travelers include:
New extended stay provisions (up to 240 days) under consideration
Enhanced coverage requirements for COVID-19 related illnesses
Digital health documentation requirements
Expert Tips from AIM Insurance
Start Early: Book your coverage well before departure to ensure maximum protection
Declare Everything: Be thorough about pre-existing conditions
Keep Documentation: Store policy numbers and emergency contact information readily accessible
Understand Your Policy: Our experienced brokers can explain coverage details in plain language
Local Support When You Need It
With offices across Ontario, Alberta and New Brunswick, AIM Insurance provides personalized service to our winter travelers. Our award-winning personal touch means you can visit any of our locations for face-to-face consultation:
Burlington (Head Office)
Milton
Brampton
Dunnville
Moncton
Calgary
Why Choose AIM Insurance for Your Winter Travel Coverage?
Reader Favourites Award winner for personal service
Extensive experience in travel insurance
Quick response time (average 1-minute response)
Multiple carrier options for best coverage and rates
Local offices for personal consultation
Getting Started
Contact AIM Insurance at 877-AIM-4TMW to discuss your winter travel insurance needs. Our experienced brokers will help you select the right coverage for your specific situation, ensuring you can enjoy your winter getaway with complete peace of mind.
Remember: Don't let inadequate coverage put your winter travels at risk. With AIM Insurance's comprehensive emergency medical coverage, you can focus on enjoying your winter escape while we take care of protecting your health and financial security.