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Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs, as well as follow-up visits or outpatient visits or non-emergency medical services, might not be covered outside the province or territory of residence. Unlike Canadian provincial or territorial government health insurance plans, Scotia Travel Insurance for Students also offers tuition protection in the event of a medical emergency. For maximum protection you should purchase additional medical coverage even while travelling within Canada. You can also insure your spouse and children who will live with you while you are covered under this policy.

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan, you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.