Travel Insurance for dual citizens

[Dave G]

Hi All -

My daughter is a dual Australian / Canadian citizen - and is looking to spend 6 months - a year or so over there...
I'm wondering where I might be able to find some advice on what travel insurance (if any !) she should take out before she goes
Thanks in advance

 

[Scr77]

As a dual citizen, does your daughter have medical coverage? Is she hiring a car? What does she need to cover? Would she have any credit cards with travel insurance coverage?

 

[justinbrett]

Travel insurance doesn’t really care about citizenship. I assume she is an Australian resident so any Australian travel insurance would be fine.

That said if she has access to free healthcare in Canada she might be prepared to risk it without insurance, as that’s the reason most people get it. But otherwise she’s no different to any other Aussie.

 

[tdimdad]

If she can live in Canada like the locals and has the same access to healthcare etc, then an option is to rely on that during her stay. You'd buy travel insurances for the transit only, both ways (a Canadian or global policy for the return trip).

 

[Cynicor]

your needs for TI do not change much based on citizenship, as the real cost is repatriation.
Medical might be covered in country (differs by province) but if you have a head injury and can’t fly commercial home unescorted, or can’t afford a lie flat seat, you’ll be on gofundme anyway.

 

[justinbrett]

your needs for TI do not change much based on citizenship, as the real cost is repatriation.
Medical might be covered in country (differs by province) but if you have a head injury and can’t fly commercial home unescorted, or can’t afford a lie flat seat, you’ll be on gofundme anyway.

Or risk that you have to stay in Canada longer. I think the risk of no repatriation in a country you have the right to live and work, and free health care, might be acceptable for some.

 

[Cynicor]

Or risk that you have to stay in Canada longer. I think the risk of no repatriation in a country you have the right to live and work, and free health care, might be acceptable for some.

I suspect you’ve never seen someone with a TBI before. We aren’t talking about someone living, other than by the barest definition.

I suspect all the doctors on the group would say “get the insurance”.

Post automatically merged: Oct 20, 2024

Or risk that you have to stay in Canada longer. I think the risk of no repatriation in a country you have the right to live and work, and free health care, might be acceptable for some.

So let’s say it’s not that bad but you can’t fly. Where do you live? Who pays your rent? Hotel costs? Ongoing medical out of pocket? Where do you get a job, assuming you can work but can’t fly ( 0 chance, really).

 

[justinbrett]

I suspect you’ve never seen someone with a TBI before. We aren’t talking about someone living, other than by the barest definition.

I suspect all the doctors on the group would say “get the insurance”.

Post automatically merged: Oct 20, 2024

So let’s say it’s not that bad but you can’t fly. Where do you live? Who pays your rent? Hotel costs? Ongoing medical out of pocket? Where do you get a job, assuming you can work but can’t fly ( 0 chance, really).

I’m not making a blanket statement, just that for some it might be acceptable, assuming they have family, they are going there to work etc. Not one size fits all.

The risk is no different to someone going for university or work longer than a year or so who wouldn’t be able to get an Australian TI policy.

 

[kileskus]

Look up the health policy of the province she's going to. For me as a dual Aus/Can citizen going back to live in my home province (Québec) I'm not covered for at least the first 3 months and then after that I have to re-apply for RAMQ. So depending on the province she might essentially be treated as a foreigner for health care purposes and you should take out an applicable travel insurance policy. (She should also apply for health care asap, you don't have to wait until the cooling period is over to apply. That way it minimises the period without any coverage.)