Insurance for travellers to Florida
For you, spending winter in Florida is more than a trip – it’s a way of life. Bask in the sun knowing that you have the best insurance for your needs.
Spend your money on trips, not medical expenses
Our representatives are well aware of the situation: the longer you stay in Florida, the more likely you are to need to go to the hospital. It’s also a well-known fact that in the United States, healthcare bills can skyrocket.
Provincial health insurance plans, such as the RAMQ health insurance plan in Quebec, only cover a portion of the medical expenses incurred outside the province. In the event that you fall ill or have an accident while in Florida, with this private insurance, you’re fully covered.
What you need to know
In order for our representatives to help you, you must have the following information in hand when you call:
- Your complete list of prescription drugs (and what they are used to treat)
- The stability period of all your pre-existing illnesses
- Your health insurance card (mandatory)
Remember that when you are outside your home province for more than 183 days, you are no longer covered by your provincial health insurance plan (RAMQ). If this is your situation, tell our representatives so they can help find the best solution for you.
Discounts and benefits
FADOQ members, members of the Public Service Alliance of Canada (PSAC), and members of the Association of Public Service Alliance Retirees (APSAR) are eligible for exclusive discounts.
Other discounts are available for those who purchase long-term travel insurance before September (earlybird discount) or who travel in groups (companion discount).
Call our representatives for information on the discounts you are eligible for.
What insurance for travellers to Florida covers
- Hospitalization expenses
- Laboratory testing
- Medical items, e.g., crutches
- Prescription drugs
- Transportation by ambulance
Treatment by health professionals
- Dentist (in case of emergency)
- Accommodation and meals
- Emergency repatriation and return
- Emergency round-trip transportation for trips of 30 days or more (optional)
- Repatriation of your remains in case of death
- Transportation and accommodation for an accompanying family member at your bedside
- Return home:
- Pet (optional)
How to submit a claim
Call the insurance company you purchased your travel insurance to find out how to submit a claim.
Don’t forget to tell our representatives:
- If you will be outside your home province for more than 183 days in a single year and therefore no longer covered by your provincial health care plan (e.g., RAMQ)
- If before your departure, you are experiencing health problems or illness (also known as pre-existing illness)
- If your health condition is stable and does not prevent you from travelling, despite a pre-existing illness
- If you plan to extend your trip