the card with you, you may be asked to
pay upfront for services.
What’s covered?
The same basic services covered by
your Saskatchewan Health plan—
things like doctor visits, necessary
medical exams and hospitalization—
are covered in other provinces.
What’s not covered?
Care by non-physician practitioners—
including physiotherapists, massage
therapists and chiropractors—as
well as routine dental services, non-
emergency eye care, prescription
drugs, ambulances or transport
back to Saskatchewan are among
the services that won’t be covered.
Remember: Services not covered in
Saskatchewan won’t be covered in
other provinces either.
insurance iQ
AlwAys Cover Up
Be mindful of Quebec
travelling outside of saskatchewan? here’s why
you need added insurance coverage
By Craig Moy
travel
medical insurance before travelling
south of the border. Without coverage,
a U.S. hospital visit could end up
costing an arm and a leg. But that
same situation can play out within
Canada too.
Consider this: A young couple
hitches a trailer to their car and drives
to B.C., excited to hike Vancouver
Island’s rugged West Coast Trail.
Leaving their vehicle in Victoria, they
set off along the rugged, 75-kilometre
route. Midway, one of them slips and
breaks his leg. So, instead of indelible
We’re aCCustoMed to Buying
FeAr Not the
Forms
memories, the couple leaves the trail
with a $25,000 air ambulance bill,
plus another charge of $2,000 for the
return of their car.
It’s essential to know what is and
isn’t covered before embarking on a
getaway beyond Saskatchewan bor-
ders. Follow these tips when planning
a trip outside the province.
always carry your provincial
health card
Hospitals, physicians and some emer-
gency services will request it before
administering care. If you don’t have
55 OR OLDER WHAT’S YOUR RISK?
if you need
insurance for
travel outside of
saskatchewan,
you may
be asked to
complete
a medical
questionnaire. insurers use your
answers—about
prescriptions, recent
illnesses and pre-existing
conditions—to determine
the amount of risk you
represent, and to decide
on your coverage rate
and premium.
It’s the only province that does not
have a reciprocal care agreement
with Saskatchewan. So without travel
medical insurance, you’ll have to pay
upfront for services and apply to the
province for a reimbursement. Buying
insurance before you leave is the best
way to avoid a potentially big bill and
unnecessary paperwork.
Make sure you qualify
Certain eligibility requirements,
restrictions and pre-existing conditions
will apply when you seek coverage. Call
or visit your local CAA Store to find
out about the CAA Travel Insurance
Program, which offers different plans
for different needs. CAA’s Canada Plan
is one such option: It’s inexpensive and
ideal for travel within Canada. You can
also visit caask.ca/insurance to get a
quote online.
IT’S A LEGAL
CONTRACT
errors or
omissions
may render
it void or you
could face
premium
penalties.
ASK YOUR SPECIALIST
if you’re unsure about
anything, query your
insurance specialist or
review the forms with your
doctor. you can also request
a copy of your health
records to make sure you
accurately represent your
medical history.
CAA saskatchewan
spring 2019
23