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Why Do Canadians Need Travel Insurance?
We all love to travel, but are you prepared for the unexpected? Travel Insurance covers lost baggage, medical emergencies, personal item theft, and cancelled departures.
Depending on your Travel Insurance coverage, you will be partially or fully reimbursed for your unexpected travel related expenses. It is smart to purchase Travel Insurance as soon as you book your trip because you’re unlikely to find an insurer willing to provide you with a plan once you’ve begun your trip. Travel Insurance is vital, even if your trip is within Canada.
How do Travel (or Medical Travel) Insurance work?
Travel insurance works similarly to other types of insurance. You will pay a premium in order to get benefits that will offset the costs of unexpected travel delays or emergencies.
Depending on your plan, your travel insurance will cover a portion or all of your expenses – from hotel reservation cancellation to non-refundable flight tickets to lost baggage.
What does Travel Insurance cover?
Our travel insurance plan will vary by provider. However, travel insurance may cover a portion or all of the costs associated with travel emergencies and delays. These can include illness, ambulance services, lost belongings, tour cancellations, flight cancellations, delays due to weather, and more.
Travel insurance covers you and your belongings in the case of many issues or emergencies, including:
- Trip delays
- Lost baggage
- Ambulance services
- Trip cancellation
- Medical emergencies
What factors affect Travel Insurance rates?
Like other types of insurance, rates will vary by provider and the type of coverage you need. Some factors that play a role in your travel insurance rate are:
- Where you are traveling to
- The kinds of activities you will be doing
- How many people are traveling with you
- How many past claims you have filed, if any
- Your desired coverage
What about out-of-province trips?
While some provinces have an arrangement regarding medical billing in case of out-of-province medical necessities, that’s not always the case. You’ll likely need to file a claim to regain your losses. Even in such a scenario, you may not be able to fully recover your incurred costs.
The reason is that the cost of medical procedures varies by province. Your provincial plan may cover a portion of your medical expenses, but still leave you with thousands of dollars that you need to pay out of pocket. You also won’t be covered for emergency transportation back home.
Taking all these factors into consideration, Travel Insurance can considerably reduce your expenses in case of medical emergencies even when travelling within Canada.
What would you like to save money on?
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Types of Travel Insurance in Canada
There are Travel Insurance plans designed specifically for every possible travel related event which could lead to financial loss. You can mix and match these coverages, or you can purchase a Comprehensive Travel Insurance plan, which includes all coverages for complete peace of mind.
Medical Travel Insurance
Medical Travel Insurance covers expenses related to medical emergencies, injuries, and illnesses. There are two subcategories of Medical Travel Insurance: Single Trip Insurance plan and Multi-Trip Insurance plan.
Lost Baggage Insurance
Lost Baggage Insurance covers you in the event of lost and delayed luggage. The costs of replacement items and your suitcase will be reimbursed.
Trip Cancellation And Interruption Insurance
Trip Cancellation and Interruption Insurance protects you from costs due to cancellation fees and travel interruptions caused by bad weather, travel document hurdles, and family emergencies. With Trip Cancellation and Interruption Insurance, lost reservations, missed flights, and non-refundable tickets will no longer cause you significant financial loss.
All-Inclusive Travel Insurance
All-Inclusive Travel Insurance includes all of the benefits previously mentioned. Your premiums will be higher due to its extensive coverage.
Are You A Frequent Traveller?
Purchasing a Multi-Trip policy saves you money on your Travel Insurance if you travel at least twice per year.
Travelling With Family?
When you purchase Travel Insurance for at least 3 family members, you pay a reduced rate.
Are You A Snowbird?
It’s possible to receive reduced rates when you purchase your policy well in advance of your travels. Some insurers offer reduced rates in late summer and early fall.
Extending Your Trip
Rather than buying a new policy, contact your insurance issuer to top-up your plan.
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My agent helped me get my insurance. He was very helpful in assisting me choose the right dental coverage. He was very professional and knowledgeable. The set up was very easy and overall I'm very happy and satisfied. I would totally recommend this to my family/friends if they needed a plan
Client Since 1995
I had a great experience! My assigned agent was so patient with me and provided me with all the necessary information I needed. It was such an easy process and I'm so happy I got insurance. Would gladly recommend Alliance Income Services company.
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