Travel health insurance for Canadians visiting Tahiti

Travel insurance is a safety cover against any unforeseen illness or injury that may cause while travelling away on a holiday. Yes, visitors to Tahiti should buy travel insurance for a safe trip to avoid any financial loss. Travel insurance will pay for all sudden medical treatment and other charges as per the policy chosen by the traveler.

Travel insurance coverage varies from policy to policy. It is very important for visitors to read through all the details and make sure the plan covers everything that the trip requires.

The most important travel insurance coverage required to Tahiti are

• Emergency medical expenses: Travel insurance should cover any emergency treatment in case something goes wrong during the trip. The travel insurance should cover the emergency treatment. Do remember to declare any pre-existing conditions so that it can be covered.
• Covid 19 coverage: Travelers can also ensure if the travel insurance covers Covid-19 cover. If the travel needs to be cancelled should the traveler be diagnosed with a positive Covid-19 test and any emergency medical expenses incurred due to Coronavirus it can be covered.

The cost of a travel insurance plan differs widely with the type of coverage purchased by the visitor. Typical travel insurance plans cost between 4% to 10% of the overall trip cost. A short trip may cost just a few dollars when compared to long term or annual travel insurance costs.

Below are some factors that determine the cost of travel insurance plans

1. Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater the cost of the visitors health insurance.
2. Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance
3. Medical maximum coverage and deductible options: The price of visitors medical insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
4. Region of coverage: Travel insurance depends on the coverage region.
5. Duration of travel insurance: The longer the duration of visitor medical insurance required, the higher will be the cost.

Canadian travelers should buy travel insurance in advance of the start date of the trip to allow the traveler to make use of some benefits that offer coverage if the trip needs to be cancelled for some reason or had to be delayed. It’s best to buy travel insurance 14-15 days in advance of the holiday.

Most international travelers have this question while traveling overseas. While at first glance this might not seem like a big deal, but think a little deeper and on seeing the cost of healthcare in most countries travelers will realize the importance of medical insurance for visitors while in Tahiti. Canadians unfortunately cannot access the excellent and affordable Canadian health care system in Tahiti. A medical emergency can happen to anyone and at any age. A holiday outside of Canada can expose the visitors to increased chances of medical and travel risks. In the event of a medical or travel injury or illness without travel insurance it will be a huge financial loss to be paying all the medical bills. In such situations, travel insurance is definitely worth buying.