AMA Insider Spring 2018 / Over 55 - Page 24

Save 10% aMa members get a discount on travel medical insurance insurance iq Have “The Talk” About Travel Medical Insurance it’s time to tell your kids why they need protection By BOnnIE STarInG In January 2017 , Drew Riviere and a friend drove to Florida for a winter escape. On their way home to Calgary, they went through South Dakota to visit Mount Rushmore. “We were an hour and a half away when we had a head-on collision at highway speed,” says Drew, who was 23 at the time. “Both cars were totalled.” Though his friend was able to walk away from the crash, Drew wasn’t so lucky: “Both my ankles were shattered, and I suffered a burst fracture to the L3 vertebrae in my lower back, which in layman’s terms means it exploded.” start them early Fortunately, Drew had travel medical insurance; buying insurance coverage is part of his routine when preparing for a trip. AMA members with young-adult children who love to travel—be it for rock-climbing in B.C. or a post-grad trip to Australia—can ensure they aren’t burdened with unexpected med- ical bills by taking care of their kids’ travel medical insurance. Even when travelling within Canada, some costs, such as ambulance rides, the return of a vehicle and air-ambulance expenses, aren’t covered by provincial health plans. “If a person is unable to fly home commercially, an air ambu- lance ride can cost $50,000 from a North American location to more than $200,000 from Australia, Asia or Europe,” advises Pam Murray, travel insurance sales manager at AMA. Be by their side In addition to medical expenses, policies also cover travel expenses for you to assist and support your loved one. “This is especially important for a young person, who may be unfamiliar with this type of situation.” Murray says. “They’ll need help to make sure they understand the treatment being proposed,” “The day it happened, we spoke to a state trooper, as well as medical staff and Drew’s friend,” says Dave Riviere, Drew’s father. “But we weren’t able to talk to Drew until 10 p.m.” Dave and his wife Jackie flew to Sioux Falls the next day to be with the ȁͽQԴ)́ѡհȁѡ͕́)ɽ٥ѡȁ5Ʌٕչ͕Ȱ)́ݕ́ѡͥхѕЁ=ɥ)QɅٕ%Ʌݡѡ)٥єɕߊéͥՅѥ)ѡȁݸɅ̸ٕ+q]܁ݸЁݥ)ɕ܁݅́Ʌ镐t)̸ͅ+qQЁ݅́ɐeԁЁeЁ)ݡЁѼлt)ٕɅ+q ɔѡЁ䰁'eٕȁٕɽ)$ٕ݅́ȁ䁅̳t)ɕ܁̸ͅq$eЁѡͽѡ)ѡЁձѼѡ́ɱ)䁱t ЁЁѡ)ѕɵѠ͕݅́ɥ̸)ѕȁѡͥɕ܁݅́Ʌ̴)ѕ䁅ձѼѡɕ)хݡɔɕٕɝ)ɔ1ѕȁ݅́ɱѕѼM)̸!չݕЁɝ䁅)ɕх镐ȁ)ɔɱѕѼ )Qѽхѥѕ9ɱ(qٕͅ)չɕ́ѡ̳ͅtɕ܁̸ͅ)́ѡI٥ɔ)ͥȁѡ͕ٕ́ՍѡЁɕ)ѡЁ七q]ѡЁɅ)ѡ́ݽձeٔم̴)хѥȁ́䳊t̸ٔͅ)5ɔݥѡ)ɕɕ܁́܁Ѽ݅)ݥѡЁͥQɅє)́ɕٕ䰁ɕ܁́ɥɔ)ɕЁɥѼɥP)ݥѠɅٕɅ)Ʌ七qQ䁑ɕt)ɕ܁՝̰q́ѡЁݗe她)ѡ́ѥt)QɸɔЁɕսє)5QɅٕQɅٕ%Ʌ(5ɅٕɅ́չɥѕ䁽ɥɅٕɅͥх́ɽ٥䁅ѥٔɔ5Ё()Aɥ)5ͥ)Ʌ