By Melissa Lafrance on June 7, 2017
Summer vacation is right around the corner. If you’re thinking of heading outside BC or Canada for leisure or work, you may be wondering if your existing travel insurance will cover you and your family in the event of a medical emergency. In other words, do you need to purchase additional insurance?
How you answer this question will depend on your situation. Below is information on what your insurance does and does not cover. Knowing the facts can help you make an informed decision about whether you need additional insurance.
Take a look at the questions and answers below:
1. What is my UBC coverage while travelling?
The BC Medical Services Plan (MSP) will cover physician and hospital services in the event of a medical emergency only. MSP will only pay up to the BC rate for these services.
The coverage provided by the UBC Extended Health Plan supplements any costs not covered by the MSP for your emergency physician and hospital services. You may be reimbursed up to 100% of the total cost, provided you have not exhausted your lifetime maximum.
The Extended Health Plan will also pay for medical expenses you would normally be covered for and reimburse you as if the expenses were incurred in BC. For example, if you submit a claim for a prescription drug you purchased outside the country, you will be reimbursed for what the cost would have been in BC. The exception is ambulance services, which are covered at 100% (if you have not exhausted your maximum).
Your dependent family members are also covered if they are enrolled in the UBC Extended Health Plan.
2. What is the maximum amount I can claim?
The lifetime maximum that each person enrolled in the UBC Extended Health Plan can be reimbursed for is $2 million. This amount is reduced each time you make an Extended Health claim. Your dependents also have a lifetime maximum coverage of $2 million.
To find out your current Extended Health balance (or that of your dependents), call Sun Life at 1-800-361-6212.
3. Am I covered by other plans?
You may also have coverage outside BC or Canada through your spouse’s plan or a credit card.
If you are covered under a spouse’s plan, you may have access to additional coverage while travelling. Ask your spouse to confirm the details of their plan.
Your credit card may also provide coverage in the event of a medical emergency. You can confirm coverage by calling your credit card company.
4. What if I have a pre-existing medical condition or I am pregnant?
The UBC Extended Health Plan does not have a pre-existing conditions clause. This means that as long as your condition is stable before your departure and your doctor has given you permission to travel, you will be covered. It is strongly recommended you obtain a letter from your doctor clearing travel or request a note be added to your file prior to travel.
If you (or your dependent) is pregnant, you are covered up to and including the 36th week of pregnancy. After the 36th week, you will not be covered for any pregnancy or childbirth-related expenses.
If you give birth prematurely up to and including your 36th week of pregnancy, medical expenses for the birth mother and newborn are covered.
Regular prenatal checkups (outside of BC) while you are pregnant are not covered, even if received before your 36th week of pregnancy. You are also not covered if you travel to another province or country with the intention to give birth there.
5.What are the exclusions and limitations?
The UBC Extended Health Plan has the following exclusions and limitations:
- You are covered for 365 days from the date you leave BC. Hospital coverage is limited to 90 days, although this period may be extended if it is dangerous to transport you back home.
- You are not covered if Sun Life determines (based on medical information) that you can be transported back to BC for medical attention and you choose not to return home.
- You are not covered for non-emergency physician and hospital services.
- You are not covered for illness or injury resulting from the hostile action of any armed forces (military or police), insurrection, riot, civil commotion or terrorist activity that you participated in.
- You are not covered for any trip delays, cancellations or lost luggage.
- Your emergency travel assistance services through Allianz Global Assistance, Sun Life’s travel benefits provider, may be suspended, curtailed or limited in some countries due to conditions such as war, political unrest, epidemics and geographical inaccessibility. For an up-to-date list of countries where travel assistance services may not be available, please contact Allianz Global Assistance (1-800-511-4610) before leaving on your trip.
Participation in extreme sports is not an exclusion.
For a complete list of exclusions and limitations under the Extended Health Plan and other UBC benefits, click here.
6.What documentation should I take with me?
Pack your health insurance information. This should include your:
- Sun Life coverage card available from mysunlife.ca or the my Sun Life mobile app,
- BC Services Card as proof of your MSP enrolment,
- Medi-Passport information,
- emergency help numbers, and
- family doctor’s contact information.
Want to know more?
- Travel Benefits FAQs
- Travel Advisories
- Preparing for Travel: Before, During, and After
- Email: email@example.com
You are invited to learn more at the Understanding Your Travel Benefits Info Session
June 20th | 12:00 – 1:00 p.m. | Point Grey & DHCC
Summer is almost here, and you may be preparing for vacations both at home and abroad. This information session will be useful for anyone wanting to know more about travel benefits and how to be prepared in a medical emergency. Join UBC Benefits Specialist Stephanie Mah in this one-hour session on understanding your travel benefits – so you can ensure your well-earned vacation is as stress-free as possible. Learn more and register now.
Posted in Benefits Spotlight, Events | Tagged Benefits, coverage, extended health, information session, medi-passport, passport, Sunlife, travel benefits, UBC, understanding your travel benefits | Leave a response
By Melissa Lafrance on June 7, 2017
Sit-Stand Desks & Platforms – June 12, 10:00 – 11:00 a.m. (Location: Point Grey)
Learn about the different types of sit-stand desks and platforms available. Understanding the pros and cons of each will help departments, staff and faculty decide which option is most suitable. Product samples will be available for participants to try out – experiencing first-hand how the different models impact positioning and workflow. Find out more and register now.
Understanding Your Travel Benefits – June 20, 12:00 – 1:00 p.m. (Location: Point Grey & DHCC)
Planning a vacation in Canada or abroad? This information session will be useful for anyone wanting to know more about UBC’s travel benefits and how to be prepared in a medical emergency. Join UBC Benefits Specialist Stephanie Mah for a one-hour session to deepen your understanding of your travel benefits and ensure that your well-earned vacation is as stress-free as possible. Find out more and register now.
Self-Care 101 – June 22, 12:00 – 1:00 p.m. (Location: Point Grey)
This session will focus on increasing mental health literacy through self-care. You will learn about the body’s stress response and how to identify these responses in yourself, assess your stress levels, explore the meaning of personal self-care, and discover the many resources available for UBC staff and faculty. Find out more and register now.
Ergo Your Office Tutorial – June 28, 12:00 – 1:00 p.m. (Location: Point Grey)
Optimize your computer work environment to improve comfort and reduce the risk of injury. This one-hour tutorial combines a presentation and a practical session, giving you hands-on experience adjusting typical office equipment. By the end of the tutorial you will know how to set up your chair, keyboard/mouse and monitor to promote neutral working postures. Find out more and register now.
Coming up in July…
Learn to Meditate Series | July 12, 19 and 26; 12:00 – 1:00 p.m. (Location: Point Grey)
The three-part Learn to Meditate series is back by popular demand this summer! Wendy Quan will introduce you to the basic concepts of meditation and mindfulness techniques. This three-session course, tuned for the working environment, is designed for those both new and experienced in the world of mindfulness meditation.
For only $35, you can learn to cultivate personal resilience, discover techniques to reduce and manage stress and gain confidence to practice meditation and mindfulness. Sessions will take place in the TEF 3 building from 12:00–1:00 p.m. on July 12, 19 and 25. Find out more and register now.
Outdoor Explore Boot Camp – July 13, 12:00 – 1:00 p.m. (Location: Point Grey)
This boot camp will show you simple exercises and movements you can do to increase your cardio, core strength, flexibility and overall wellbeing. Find out more and register now.
Understanding Mental Health Challenges – July 27, 12:00 – 1:00 p.m. (Location: Point Grey)
Understanding mental health challenges can be difficult and knowing how to interact with someone who might be in a mental health crisis can be even more challenging. The goal of this session is to increase mental health literacy while providing tools and skills to respond effectively in a caring and respectful way. Participants will learn skills and knowledge to help better manage mental health problems in themselves, a family member, a friend or a colleague. Find out more and register now.
Posted in Events, Healthy UBC Initiatives | Tagged Benefits, education, Ergonomics, events, health, learning opportunities, Meditation, mental health, outdoor bootcamp, personal development, professional development, self-care, stress management, travel benefits, wellbeing, workshops | Leave a response
By Melissa Lafrance on March 2, 2017
Debunking the Diet Series with Dr. Thara Vayali (Location: Point Grey)
Part 1: The Toxin Myth – Mar. 7, 12:00pm – 1:00pm
The terms “toxin” and “detox” are commonly used in natural health and wellbeing lingo. Find out what the terminology really means, and understand your body’s actual detoxification mechanisms. Learn what to look for in a safe “detox” plan and leave with three valid and useful diet and lifestyle changes that help you step into a cleaner, clearer new year.
Part 2: Salt, Sugar, Fat – Mar. 22, 12:00pm – 1:00pm
Part 3: Nutrition vs. Nourishment – Apr. 5, 12:00pm – 1:00pm
For more information, and to register, click on the links for the session or sessions you’re interested in attending.
Living Well with Stress – Mar. 8, 12:00pm – 1:00pm (Location: Point Grey)
Workplace stress can be triggered by many sources: heavy workloads with tight timelines, layoffs or restructurings, or difficult co-workers. When combined with our pressures and responsibilities outside of work, it is no wonder that many of us experience high levels of stress in daily routines. Left unaddressed, stress can lead to absenteeism and has the potential to turn into a major mental or physical health concern. This session will teach you how to effectively manage stress for optimal health, wellbeing and workplace productivity. For more information and to register, click here.
Mental Health First Aid Training – Mar. 9 & 23, 9:00 am – 4:30 pm (Location: Point Grey)
Mental Health First Aid, a two-day in-person workshop, aims to improve mental health literacy by providing participants with the skills and knowledge to help people better manage potential or developing mental health problems in themselves, a family member, a friend or a colleague. Learn to recognize the signs and symptoms of mental health problems, be able to provide initial support to a person who may be developing a mental health problem or is experiencing a crisis, and be prepared to guide a person towards professional help. For more information and to register, click here.
Understanding Your Travel Benefits – Mar. 15, 12:00pm – 1:00pm (Location: Point Grey & Okanagan)
Planning a vacation in Canada or abroad? This information session will be useful for anyone wanting to know more about UBC’s travel benefits and how to be prepared in a medical emergency. Join UBC Benefits Specialist Stephanie Mah for a one-hour session to deepen your understanding of your travel benefits and ensure that your well-earned vacation is as stress-free as possible.
Building Bridges: Collaborations at Work – Mar. 14, 1:15pm – 2:15pm (Location: Robson Square)
Working with others is a requirement in the workplace, and when collaborations successfully occur, many feel positive, productive and willing to face challenges. This session will teach you the key elements of teamwork and provide an opportunity to practice collaboration-building techniques. For more information and to register, click here.
Welcoming Change in Your Life – Mar. 16, 12:00pm – 1:00pm (Location: Point Grey)
Change is a natural part of life. You may be aware that a change is imminent but are uncertain about what it will involve and how it will affect your life. Join us for a session that will address the emotional reactions involved with change and help you learn the coping skills to manage change more effectively. Participants will understand the different types of change, develop management strategies and learn to view change in a more positive manner. For more information and to register, click here.
Creating Balance in Your Life – Mar. 29, 12:00pm – 1:00pm (Location: Point Grey)
In today’s environment of competing demands, relentless commitments and constantly feeling short of time, balance often does not come easily or naturally. Join us for a session to help you explore how your current choices impact work-life satisfaction and to develop strategies to achieve greater balance in your life by identifying your priorities and things you may not be able to control. For more information and to register, click here.
Ergo Your Office Tutorial – Mar. 29, 12:00pm – 1:00pm (Location: Point Grey)
Optimize your computer work environment to improve comfort and reduce the risk of injury. This one-hour tutorial combines a presentation and a practical session, giving you hands-on experience in adjusting typical office equipment. By the end of the tutorial you will know how to set up your chair, keyboard/mouse and monitor to promote neutral working postures. For more information and to register, click here.
Coming up soon …
Debt Freedom – Financial Workshop
Posted in Events, Healthy UBC Initiatives | Tagged balance, Change, collaborations, Diet, Dr. Thara Vayali, Ergonomics, events, free, healthy UBC Initiatives, mental health first aid, Stress, stress management, travel benefits | Leave a response
By Melissa Lafrance on June 8, 2016
UBC’s Health, Wellbeing and Benefits team has a great line up of free activities and events coming your way this summer. Sign up today for programs including Breast Cancer Prevention, Understanding your Travel Benefits, CAMMPUS, Healthy Eating, Office Stretches & Workouts and plenty more!
Breast Cancer Prevention & Risk Management Workshop – June 14, 2016 @ 12-1pm (Location: Point Grey)
This interactive educational session will provide participants with the latest research evidence regarding ways to reduce the risk of breast cancer through lifestyle modifications pertaining to alcohol intake, physical activity, nutrition, weight management, exposures, as well as myths and misconceptions in this area.
The facilitator of the session is Bonnie McCoy, a Clinic Evaluation Assistant and Lifestyle Counsellor for the Breast Cancer Prevention and Risk Assessment Clinic. All staff and faculty are welcome to attend.
Understanding Your Travel Benefits – June 21, 2016 @ 12-1pm (Location: Point Grey & UBC Okanagan)
The summer is here and you may be preparing for vacations both at home and abroad. This information session will be useful for anyone wanting to know more about UBC’s travel benefits and be prepared in a medical emergency. Join UBC Benefits Specialist, Stephanie Mah, in this one-hour session on understanding your travel benefits and ensure that your well-earned vacation is as stress free as possible.
Are You Heart Healthy? Say Yes with CAMMPUS, and Attend an Info Session: June 22, 2016 @ 12-1pm (Location: Point Grey)
Join us to learn about participating in a unique project called CAMMPUS (Cardiovascular Assessment and Medication Management by Pharmacists at the UBC Site).
CAMMPUS offers UBC faculty and staff a free 30-minute assessment with a registered pharmacist (or student under pharmacist supervision) from the UBC Pharmacists Clinic. During the assessment, you will find out your current level of heart health and what steps you can take to keep your cardiovascular system healthy.
For more information and to register, click here.– Available until September 30, 2016
Healthy Eating: Strategies to Stay Motivated & Overcome Challenges – June 29, 2016 @ 12-1pm (Location: Point Grey)
Join Dr. Zahra Ezzat-Zadeh, Registered Dietitian and UBC Postdoctoral Fellow, to learn practical tips for overcoming common challenges and motivational tips that will keep you on the wining track to achieve your healthy eating goals.
This session will help you gain insight and strategies to set healthy eating goals and behaviours as well as ways to build motivation to maintain these habits! For more information and to register, click here.
Office Stretches & Workouts – July 5, 2016 @12-1pm (Location: Point Grey)
This interactive presentation will teach you a series of stretches and strengthening exercises that can be done at the office or while travelling and does not include any equipment. This makes them easy and convenient to do to increase activity and counter the specific problems that arise from excess sitting. For more information and to register, click here.
Celiac Disease & Gluten-free Diet: Myths vs. Facts – July 7, 2016 @ 12-1pm (Location: Point Grey)
Are you thinking about going gluten-free? What do you think of the new gluten-free craze – is going gluten-free actually healthier for you? This workshop will focus on the myths and truths of what the gluten-free diet is and what celiac disease and non-celiac gluten sensitivity are.
The facilitators of the session are Val Vaartnou, President of the Canadian Celiac Association (Vancouver Chapter) & Nicole Fetterly, Registered Dietitian and Nutrition & Wellness Manager in UBC Student Housing and Hospitality Services. All staff and faculty are welcome to attend.
For more information and to register, click here.
Coming up later in July…
Learn to Meditate (three sessions) – July 11, 18, 25, 2016 (Point Grey)
Not Myself Today Information Session – July 12, 2016 (Point Grey)
Posted in Events, Healthy UBC Initiatives, Nutrition, Physical Health | Tagged breast cancer prevention, events, free, healthy eating, Heart health, learning, seminars, stretching, travel benefits, workshops