Emergency Medical

Traveling out of the province? Did you know that your Manitoba Medical coverage only covers your emergency medical claims up to the limits legislated for Manitoba — even when you’re traveling elsewhere in Canada? If you didn’t know, hopefully you’re reading this while you’re still within the borders of our magnificent province.

Unexpected medical treatment is possibly the single most expensive cost you could get hit with when you travel. Fortunately, Horizon Insurance offers products from multiple different Travel Insurance Companies to service all of your out-of-province Emergency Medical Needs. Coverage includes:

Hospital in-patient / out-patient charges
Ambulance and surgical charges
Emergency dental care
Prescription drugs, physiotherapy, medical evacuation and death benefits

Plus a whole lot more. All residents of Manitoba are eligible, as long as you purchase your policy while still physically in the province. To find out all your options and full coverage details, simply contact us.

Multi-Trip Plans

Whether you travel out-of-province frequently — either for fun, or because it’s your job to get out there on the road (again), a Multi-Trip Insurance Plan provides both convenience and peace-of-mind. Double Whammy.

Multi trip plans provide frequent travelers with the convenience of not having to purchase insurance every time you travel. You can take as many trips as you want during the one year coverage period whether it’s for business or pleasure.

Coverage is included for you and your family for unlimited out of province trips in a 1 year period. Coverage includes:

Single trips up to 32 days at a time
Extensions for longer trips are available
Plan top-ups available

So if you just can’t wait to get on the road again, your best bet is to contact us first. We’ll take the time to understand your needs my friend. ‘Cuz you can’t wait to get on the road again.

Tour Package Plans

There’s no better way to see ancient ruins, historical landmarks, or any kind of hot spring or geyser than by big comfortable tour bus. Still, even when traveling in the relatively safe and structured setting of a tour package, sometimes… stuff happens.

That’s why our package plans are designed specifically for travelers who have booked package tours and want protection against the high cost of emergency bills incurred beyond these friendly Manitoba borders.

Coverage includes:

24 hr. worldwide Emergency Medical Coverage
Coverage for pre-paid airfare expenses in the event of an unexpected cancellation
Baggage protection

Of course, tour packages aren’t always about parading you through the Acropolis. Even packages to more typical fun-n-sun holiday destinations can go awry. Just ask us about the full benefits of this well-advised insurance option.

Cancellation/Interruption Plans

So you’re all ready to go on that long-anticipated vacation. You scrimped, you saved, you scoured the web for the best deal, you found someone to water the plants, and then…the kids get the flu. Then you get the flu. Now everyone’s got the flu. Suddenly you can forget hanging out by the beach.

Hopefully the above scenario will never happen to you, but if it does, you’re kind of hooped, aren’t you? Not if you have Trip Cancellation/Interruption insurance! That way you’re protected against financial loss from the unexpected cancellation or rescheduling of your travel arrangements. If you’re forced to cancel your trip arrangements prior to departure, or if you need to return prior to or later than originally scheduled, you’re covered. There are also a number of other included benefits that might prove useful for anyone who can’t predict the future with 100% certainty. You’ll get coverage for:

Non-refundable portion of prepaid airfare
Extra cost of one-way economy airfare home (if purchased)
Extra cost of economy air transportation to your destination (in the event of missed connection due to a schedule change by a tour operator)
Plus a whole lot more, but you get the idea — it’s pretty extensive.

It is important to select the benefits that will cover the total cost of your trip and that every member of your family traveling together is covered. For even more handy hints like these, feel free to contact us.

Air Accident

Coverage is available for the unfortunate event of accidental death or dismemberment while traveling immediately prior to, or following, departure or arrival of your flight. This section basically falls into the category of ‘Stuff we wish we didn’t have to talk about.’ But it is another one of those situations where being covered has some very useful benefits.

Essentially, Air Accident Insurance covers subscribers who are passengers on:

any trip departing from any point (or points) within Manitoba, and destined for a location outside of Manitoba
any trip destined to arrive at any point (or points) in Manitoba, from a location outside of Manitoba
any trip where both the departure point and the destination are from a location outside of Manitoba.

Student Travel

Ah, student travel. The chance to broaden your educational and cultural horizons. Preferably somewhere with good weather and an even better nightlife. What we meant was, somewhere you’ll receive excellent value for your tuition dollars.

But just before you head off on your travels, it would be wise to note that just like with your courses, certain things won’t be covered by your Manitoba medical coverage. For example, Health expenses incurred outside of Manitoba are not fully covered by Manitoba Health. The good news is, a comprehensive Student Travel Health Plan will cover any emergency medical bills incurred beyond Manitoba borders.

If you’re a Manitoba resident covered by Manitoba Health for the entire school term, age 30 or under on date of departure, are going to be in full-time attendance at a school, university or college outside of Manitoba, and apply for coverage prior to leaving, then you’re eligible for the student health plan.

Ready to learn more? Excellent! Your eagerness to learn will serve you well. And you get an ‘A’ for rational thinking. You’re off to a good start. Now click here and speak to someone, whom we guarantee will be much easier to ask questions to than a Professor.

Youth Adventure Package

You know, nothing says “absolute freedom” like young people traveling the globe. Armed with an oversized backpack, some comfortable shoes and a rail pass, you set forth in the name of adventure, discovery and deferring ‘real life’ for a while. Well believe it or not, you know what would help your great expedition be even more carefree? A Youth Adventure Package Plan.

Here’s our logic on this one: Provincial medical plans cover only a fraction of medical expenses, and most foreign hospitals and doctors routinely charge thousands of dollars a day. Even a minor injury could burden you with enough debt to make that giant backpack seem light by comparison.

With a Youth Adventure package plan, travelers under the age of 30 receive coverage for hospital and medical expenses. Not only that but the policy also includes benefits covering trip interruption as well as lost or stolen baggage — and that’s a big one. No, it doesn’t happen to everyone, but no matter where you go or how nice the hostels you stay at, your gear is always at risk of being swiped pretty much as soon as you leave it unattended. If you don’t believe it, just ask anyone’s who ever backpacked.

So before you head off on your great odyssey, make sure you have your Youth Adventure Package Plan policy documents.

To find out more about the Youth Adventure Package Plan, contact us. After the hostel bus driver, they might just be the most important person you’ll talk to.

Visitors to Canada

Welcome to Canada. In case you didn’t notice, hockey is big here. And that wonderful universal healthcare that you’ve probably heard about? It exists alright, but the universal part is only for Canadian residents. Everyone else pays cash. Still, we are Canadians — and people being stuck with big hospital bills doesn’t really sit right with us. That’s why we feel it’s our duty to tell you about Visitors to Canada insurance.

A Visitors to Canada policy covers injury or sickness requiring an emergency hospital stay or emergency medical treatment. It protects visitors to Canada for short periods as well as extended stays. Immigrants are eligible for this policy, as are Canadians returning to Canada after living abroad who are awaiting provincial health plan coverage.

You’ll be covered for emergency air transportation, emergency dental expenses, and prescription drugs. In fact, coverage even includes accommodations for you or your traveling companion while confined to a hospital.

So if you’re going to be here enjoying our fair land, a Visitors to Canada policy can provide the peace of mind that will help you enjoy it even more. And if you have questions or want to know more, talk to us. If you do, you’ll probably find that everything you’ve heard about Canadian kindness and politeness is pretty much bang on.

Global Expatriate

Global Expatriate. It’s got an exciting ring to it. Anyway, if you plan to live or work in another country, or you're a new resident of Canada, or if you’ve just returned here after spending time abroad, then that’s exactly what you are. And since your situation is all up-in-the-air, you may not have coverage under a government insurance plan. Fortunately, there’s a hospital and medical policy available with an equally exciting name.

“Global Expatriate Hospital and Medical.” Pretty glamorous name for an insurance policy, right? Here’s who is officially eligible for it:

Canadian citizens residing outside of Canada
Canadian citizens returning to reside in Canada and awaiting coverage under a government health insurance plan
non-Canadian citizens residing in Canada
non-Canadian citizens residing outside of their country of origin while employed by a Canadian company.

If you’re one of the above, and you are NOT eligible for benefits under a Canadian government health insurance plan, then you are eligible for this insurance, with its glamorous name yet very practical benefits.

If you have questions about those benefits or would like to be a Global Expatriate with adequate medical coverage, contact us.

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