The Provincial Health Insurance Plan provides basic coverage for hospital and physician services at Newfoundland and Labrador rates while a member travels outside their province of residence. However, hospital and physician charges in foreign countries typically are far in excess of the coverage under the provincial plan. NLTA Group Insurance Managers advise that emergency medical insurance for travel outside of Canada is essential.
The MEDOC Travel Insurance plan provides an annual comprehensive Travel Insurance Plan. It also attaches very valuable trip cancellation, interruption, and delay coverage of $8,000 per person per insured trip.
The MEDOC Plan available through the NLTA program covers reasonable and customary expenses, in excess of any medical expenses payable by the Government Health Insurance Plan or any other insurance plan, for treatment medically required during a trip as a result of an emergency. Refer to your policy for eligible expenses and all exclusions. MEDOC Travel Insurance Policy Book
Immediate contact with Global Excel Management is necessary to ensure any eligible expenses are covered. At the first onset of symptoms of a medical emergency and before medical attention is sought, the insured must contact the MEDOC Claims Assistance Centre. However, if the insured is unable to do so because he/she is medically incapacitated, someone else must contact Global Excel Management as soon as is reasonably possible. If Global Excel Management is not contacted for a referral, or the choice is made not to receive treatment from the referred physician/hospital, eligible expenses will be reimbursed at 70% based on reasonable and customary charges.
IMPORTANT: Benefits and services eligible for payment under this policy must be pre-approved and arranged in advance by Global Excel Management.