At National Truck League we often see out of province Travel Medical Emergency claims in the tens and even hundreds of thousands of dollars. Many individuals mistakenly believe they have sufficient out of province coverage through their bank, their credit card or under their spouse’s insurance policy and only realise they are not adequately protected until it is too late.
It is especially important for trucker drivers to thoroughly evaluate the policies they have in place as limitations and exclusions can vary greatly. In fact, many out of province Travel Medical Emergency policies specifically exclude claims which occur while operating a commercial motor vehicle. Some specific things to note when evaluating a Travel Medical Emergency policy include:
1 – Does the policy provide coverage while you are working?
- Ensure there are no wordings excluding operating a commercial vehicle or claims which occur while working.
2 – What is the limit of consecutive days you can be away on a trip?
- Many Travel Medical Emergency policies limit out of province trips to 7 or 15 days but most Truck drivers require higher limits (30 or 60 days) to reduce exposure in the event of a breakdown or delay in a scheduled trip.
3 – Is there a limit to the number of trips you can take a year?
- Many policies will limit the number of times you can leave the province and for most truck drivers this limitation does not provide adequate coverage.
4 – Coverage within Canada
- Many travellers forget that provincial health plans only cover a fraction of the costs incurred when a medical emergency occurs out of their home province. For truck drivers it is especially important their policy protects them for travel within Canada as well as abroad.
Trucker drivers also need to consider what would happen to their truck and load should a medical emergency occur while working out of province. For this reason National Truck League has designed a Travel Medical Emergency plan which specifically addresses the needs of the trucking industry. Our plan includes the following unique trucker specific benefits:
Cargo Delivery Benefit – Up to $7,500 for airfare, accommodations and meals for a driver to continue your scheduled trip, deliver your cargo and return your truck to your province of residence.
Truck Return Benefit – Up to $7,500 to have your truck returned to your province of residence.
Truck Protection Benefit – Up to $500 per day up to 3 days to have your truck parked in a secured compound or to hire a private security firm to protect your truck.
Refrigeration Unit Benefit – Up to $250 to refuel your refrigeration unit and have a service equipment check completed.
Pet Return – Up to $500 to have your domestic pets travelling with you returned to your home if you are returned home by the air transportation or repatriation benefit.
When purchasing any insurance it is important to work with a reputable broker. For over 25 years National Truck League has been providing industry leading coverage and peace of mind to truckers across Canada. We are always pleased to review available coverage options with our clients based on their changing needs to help them ensure they have adequate protection for themselves, their family and their business.