Vacation injuries: What happens when you’re hurt away from home?
Going on vacation is supposed to be fun, but anyone who has planned one before knows there is a lot to consider. You may have to adhere to a strict budget, while still having to book flights, hotels and activities. From road tripping throughout Europe to honeymoons in Southeast Asia, there are a few things you should know – like what to do if you’re ever hurt away from home. Let’s take a look at the basics of what you need to know about travelling safely.
Is travel insurance worth it?
The short answer is yes. You should look into travel insurance, no matter how far or near your final destination may be. Some Ontarians assume their regular Ontario Health Insurance Plan (OHIP) extends outside Canada. However, this only covers a limited amount of the costs if you receive emergency health services meeting specific criteria. X-rays, emergency dental care or prescriptions are just a few of the important things you might need, but could leave you with having to pay medical bills yourself.
Travel insurance can help with this – and more often than not it is quite a reasonable cost for the added peace of mind it gives you. Start by asking friends and family what they’ve used in the past, or even call your credit card company to inquire about their insurance. American Express is well-known for extending their coverage if you’re a cardholder, so make sure to ask about what’s included with any credit cards you may use.
What to do when you’re actually hurt on vacation
As established above, insurance is important. It can protect you from unexpected costs if you’re ever hurt on vacation. When something goes wrong, it’s good to have an injury plan in place.
Besides contacting your insurance provider for coverage, other steps to take after suffering an injury on a vacation abroad include:
1. Contacting your hotel or resort and travel agency
2. Contacting Canadian consulate
- Doing this can help you have a better understanding of which local doctors are best suited to your needs.
3. Considering translation issues
- Secure someone who can speak any other languages that may be native to your vacation destination. Doing so will help you understand all options available to you as described by a local physician.
4. Making sure you have travel documents and medical documents
5. Obtaining copies of all pertinent information regarding medical documentation
- If you are treated in another country, try to obtain copies of medical records for when you get back home and can be treated by your doctor.
6. Taking note of information
- This pertains to anyone who may be involved in your injury. If it’s a car accident, document other drivers as well as witnesses to help with a potential case later.
Coming home after being hurt on vacation
Getting hurt on vacation can be quite serious. Your main concern should always be to get better. Following the steps above are designed to help you gain the information you need to travel safe. Whenever you’re journeying across the globe, remember that if someone else is the cause of your injury, you have rights. Always contact a lawyer when you arrive safely back home to find out what your options are and if compensation is available. Our team would be more than happy to take your call and go over any next steps.
by: Stéphane Hutt -
posted on: July 29, 2019