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I am Out of the Country and I have a medical emergency. What do I do?
I am Out of the Country and I have a medical emergency. What do I do?

Medical treatment, out of country coverage, emergency

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Written by Erika Gemmill
Updated over a week ago

The definition of a medical emergency surrounding Out of Country claims is a sudden injury or illness that poses an immediate threat to a person's life or long-term health.
Note:  this does not include medical treatment for monitoring a pre-existing or chronic condition, or for any elective service.

Firstly, Seek Medical attention immediately.  

As soon as possible or if travelling with someone, call the travel assist provider.  This number will be found on your drug card or you may have been provided additional information such as a booklet.  The provider will advise you how to proceed and a file will be opened awaiting your claim report on your return.

Once the initial emergency treatment for a condition is completed, any ongoing medical treatment related to that condition is NOT covered.

Some health care providers will not accept direct payment from a benefits provider (insurer), and you will need to pay up front.  If that's the case, retain all receipts, invoices, and expenses and submit it first to your provincial health services plan, and then to your insurer (along with copy of your provincial statement).

If you are insured with Cooperators there is a 24 hour emergency medical assistance while travelling call:

Canada and the USA 1-888-440-2667 (toll-free)
From other countries 1-416-340-1316 (call collect)

If you are insured with Greenshield, please call immediately to open a case:

Canada and the USA 1-800-936-6226
From other countries +519-742-3556.

Important: In the event of an emergency hospital admission, the emergency medical travel assistance service MUST be notified within 48 hours.  Failure to do so will limit benefits.

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