Your Premium News - June 2019
I’m taking my own vehicle on a summer road trip around Canada and the U.S. Is there anything I should know about my Autopac coverage when outside of Manitoba?
As a Manitoba resident, when you’re travelling in another province or state, their laws apply to you. Most traffic laws are similar across Canada and the U.S., but it’s important to be aware of any variances, such as no right turns on red in Montreal, or in Oregon, drivers turning right at a stop sign don’t always have to stop and may treat the stop sign as a yield when permitted.
The Personal Injury Protection Plan (PIPP), which is part of your Autopac coverage, protects you everywhere in Canada and the United States. It provides compensation for specific costs you may have from injuries or death caused by an automobile, no matter who is at fault or where the accident occurs.
However, you may still be responsible for compensating others if you are at fault, so we recommend that you have enough liability insurance to cover you when leaving Manitoba. We suggest increasing your Third Party Liability coverage to $10 million, especially when travelling into the United States.
More Autopac questions? Visit us in store for Autopac services or call 204-262-6065.
What do you mean by stability?
If you have a pre-existing medical condition, then there are certain requirements that need to be met to obtain travel insurance coverage. There are defined periods of time that your pre-existing condition must be stable before your trip. “Stable” means that you have NOT experienced any of the following sickness, injury or medical condition (other than a minor ailment):
- hospitalization or referral to a specialist (made or recommended) and you are not awaiting results
- a new diagnosis, treatment or prescribed medication
- any test results showing deterioration
- a change in medication
- a change in medical treatment
- vnew or more frequent symptoms
- are requiring investigation (other than a routine check-up)
Please note that there are certain exceptions. For example, a reduction in dosage or elimination of a medication resulting in an improved health condition, when approved by a physician, would not be considered a ‘change in medication or dosage’ as listed above.
To ensure you are getting the right coverage and to help answer any questions you might have, we recommend speaking to one of our Member Services Counsellors.
Call us at 204-262-6000 for a travel insurance quote or get a quote online.