When planning on spending an extended time working, studying or living abroad, there are many issues for you to consider. Deciding on out-of-country health insurance is a critical one.
Spending several months overseas comes with unique health and financial risks. Choosing the right long stay travel insurance ensures you’re protected throughout your entire journey – whether you’re working, studying, or temporarily living abroad. Unlike short-term policies, this coverage is designed for stays exceeding 182 days, offering peace of mind when provincial health plans don’t apply outside Canada.
With comprehensive emergency medical insurance travel options, you gain access to medical care worldwide, helping you manage unexpected illnesses or injuries without facing overwhelming expenses during your extended stay.
Taking advantage of the health and travel insurance benefits offered by Special Benefits will lessen some of the stresses associated with living in a foreign country where you are not covered by government health plans, while ensuring you have access to medical services worldwide, should a medical emergency occur.
Working with leading carriers of travel insurance, like Destination, Tugo, Manulife and Blue Cross Travel Health Plans, Special Benefits can help you find long-term travel insurance that fits your needs and your budget.
NOTE: You must have Provincial Government Health Care for the entire duration of your trip.
Choosing the right long-term coverage isn’t just about the policy – it’s about having dependable support when you need it most. By working with established insurance providers, travelers gain access to assistance services that help coordinate medical care, hospital admissions, and emergency support while abroad.
This added layer of guidance ensures that if a medical situation arises, you’re not navigating a foreign healthcare system alone. With the right long-term travel protection in place, you can feel confident knowing expert help is available, allowing you to focus on your extended stay with greater peace of mind.
Or contact us to get more information about long-term emergency medical travel insurance.
Extended stays overseas come with greater exposure to unexpected health risks, making comprehensive protection essential. Long stay holiday insurance and long term holiday insurance are designed to provide continuous coverage throughout your time abroad, ensuring you’re not left vulnerable due to policy limits or expiration gaps common with short-term plans.
These plans typically support access to emergency medical care, hospital treatment, physician services, and diagnostic testing if a sudden illness or injury occurs while you are away from Canada. With reliable emergency medical insurance travel coverage in place, you can focus on work, study, or leisure without the constant concern of costly healthcare bills.
By choosing coverage suited for extended travel, you benefit from protection that aligns with your length of stay, destination risks, and lifestyle abroad – offering confidence and financial security from the moment you depart until your return home.
Visitors to Canada
It is designed for individuals spending more than 182 days abroad for work, study, or extended living. It provides continuous emergency medical coverage when provincial health plans do not apply outside Canada.
Long stay offers extended coverage periods and is suitable for long vacations, sabbaticals, or seasonal stays abroad, whereas short-term plans are limited to brief trips and may not provide sufficient protection for extended travel.
This is because it helps protect against unexpected medical emergencies during prolonged trips, offering peace of mind and financial security throughout an extended time away from home.
It generally covers hospital stays, physician services, diagnostic tests, and urgent medical treatment required due to sudden illness or injury while abroad.
Yes. Most long-term emergency medical travel insurance plans require you to maintain active provincial government health coverage for the full duration of your trip.
Yes. Plans can be tailored based on destination, length of stay, coverage limits, and deductible options, helping you balance protection and affordability.
Individuals working overseas, students studying abroad, retirees spending extended periods abroad, and travelers on long-term holidays benefit most from this type of coverage.
Many long-term holiday insurance plans offer worldwide coverage, ensuring access to emergency medical services regardless of where you are traveling.
Most Canadians overpay or stay under‑insured simply because comparing plans feels overwhelming. Get professional advice completely free from an SBIS advisor, who will compare leading health, dental, and travel plans and help you find coverage that fits your life and budget with no obligation to buy.
