I recently came back from a wonderful visit to Orlando with my family. The weather was great, the golfing was beautiful and Disney’s Magic Kingdom was one of my son’s favourite places. Unfortunately for me, I didn’t get to play as much golf as I would have hoped due to … a back spasm (thankfully it happened in one of the last couple of days).
Never having one before – I thought I could just walk into the pharmacy and pick up some muscle relaxant and it would help me stretch it out…NOPE! In the US, muscle relaxant is a controlled substance and is only available to people through a prescription. What would you do in this scenario – go get a prescription right? Yes, but you can’t get it from your doctor in Canada – you have to get it from a doctor in the US – and we all know that they cost money!
Luckily for me, I have a GP in the family, he was able to send a prescription to the local pharmacy for my problem, but what would I have done if I didn’t have that?
Would I have to go find a doctor or hospital? How much would that cost? Hospitals charge for everything and if you don’t have a health plan, these charges can make a serious dent in your credit card limit.
My alternative was my travel insurance policy – I would call them and apprise them of the situation. They would tell me which hospital emergency ward to go to (because in my situation – I could not move for at least half a day!). From there I would get treated, probably issued a prescription and be sent on my way.
Travel insurance is one of those policies that are so important for you and your family but are usually given little attention. Usually people assume that they have coverage through their company’s health plan, their credit card or an association that they belong to. By digging a little deeper, you will be able to determine the level of coverage, the limitations, the exclusions and the deductibles that you are responsible for.
A medical emergency can put a serious damper on your vacation plans protect yourself and your family – spend pennies to make sure that you don’t have to spend big bucks!