A cardiac arrest in the middle of the Pacific Ocean. A potential bill of $150,000 USD. And zero dollars out of pocket.
The difference between the two is a single decision made before boarding.
We cover the full guide, including:
The FICAV: what it actually is, what it covers, and what it does not. A financial safety net that protects your investment if you don’t receive the services you paid for. Not your health, not your life, not a medical evacuation.
The credit card: useful for minor inconveniences, dangerously insufficient for a serious emergency. Medical coverage caps that fall short, exclusions for pre-existing conditions, limits of 15 to 21 days of travel, mandatory full payment with the card, and reduced or nonexistent coverage past a certain age.
Michel’s story: a helicopter evacuation over the open ocean, coordinated by his travel insurance provider within hours. Transport, coast guard, hospital, family communication back in Quebec. Michel had one thing to do: recover.
The five questions to ask before every trip: what is your maximum medical coverage, are your pre-existing conditions covered, what is the maximum duration guaranteed, did you pay with the right card, and does your travel agency hold a Quebec OPC permit.
The FICAV protects your money. Travel insurance protects your life. The credit card covers the rest. The three are not interchangeable.
Michel is probably somewhere out on the water right now.
He got a second chance. Partly because of the doctors. Partly because of the right decision he made before he left.
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As a travel advisor, I’m here to turn your ideas into a journey that’s truly yours. Feel free to reach out, I’d love to guide you every step of the way.
Yvan Junior Blanchette
Travel & Cruise Specialist
ÆRIA Voyages📩 yvanblanchette@aeriavoyages.com
📞 1-888-460-3388
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