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10 minute read Published on May 12, 2016 by BrokerLink Communications
Flights? Check. Passport? Check. Travel insurance? In the excitement of planning your next adventure, travel insurance may not be top of mind. However, it is an important thing to pack to ensure you have peace of mind during your escape.
No one plans an accident or medical issue while traveling abroad. Treatment for a broken bone or the flu could cost thousands of dollars in a foreign hospital without proper insurance. If you are out of the country and need to be evacuated, you could be paying upwards of $50,000 without some form of insurance.
Travel insurance helps in the event of a medical emergency or trip interruption. It is important to have the right travel insurance in place, especially if you are leaving home for an extended period of time. You will enjoy the beach much more knowing you are covered for anything unexpected.
If you’re a healthy person and you’ve never used travel insurance before, you might think it’s unnecessary. Don’t forget: insurance is there for the things you don’t plan for! Here are few reasons why you might need travel insurance:
If you become sick or are injured outside of your province, and especially outside of Canada, you will likely pay out of pocket. In Canada, we are used to universal health care, so you might not realize how quickly health care costs can add up!
If you need medical attention while you’re travelling, a foreign hospital may be hesitant or unwilling to provide treatment if they suspect you can’t pay. Insurance will help you get the treatment you need right away.
It’s not just your health that could cause an early end to your trip. There might be a natural disaster or civil unrest where you’re visiting. There could also be an emergency at home you need to go back for. Travel insurance can help with a last minute ticket back home. Travel insurance could also help cover the cost of the rest of the trip you missed out on.
Tourists are often targets for thieves and pickpockets. If you are the victim of a robbery, travel insurance can help you get in touch with the Canadian embassy and your credit card company.
It’s every traveller’s nightmare: you’re in a foreign country, you don’t speak the language and your luggage is nowhere to be found. Travel insurance can help with that! They may be able to help you locate your lost luggage. If it’s really and truly lost, travel insurance can help cover the costs for the luggage you’ve lost.
Travel insurance is typically broken down into four categories:
There are a few instances where you will not be covered:
There may be additional things that aren’t covered under your travel insurance plan. Make sure you talk to your insurance broker and read your policy documents carefully so you understand what is and isn’t covered under your policy.
There are a few different options when you’re purchasing travel insurance. Here are a few places you can get travel insurance from:
Your employee benefits package or credit card may offer protection, but there are likely limits to the coverage. Many employee benefits packages only cover medical costs while credit cards may limit coverage to specific types of travel cancellations. Always be sure to read the small print. You may need additional insurance coverage to make sure you are safe.
Here are a few tips that will help keep you safe on your vacation:
When you’re looking for the right travel insurance there are a lot of things to consider. Here are a few questions you can ask yourself or bring up to your insurance broker:
Here’s some information your insurance broker will require from you when purchasing travel insurance:
We’ve created a handy checklist for you to use before you go on vacation.
Less is more when it comes to clothes. Think basics and put comfort above fashion. Try to bring only one or two colours, or bring all neutral colours so everything matches.
Depending on where you’re going and what kind of trip you’re taking, some of these items might come in handy! Take a look at the list and bring any of the below that make sense for your trip.
Don’t leave home without these things! Be sure to double check for all these items before you head to the airport.
While you cannot plan for the unexpected, you can minimize the risk you may encounter if your trip does not go according to plan. As part of your vacation planning, speak with one of our trusted travel insurance specialists to learn more about the convenient solutions available.
BrokerLink’s Insurance Advisors are available to give you expert, unbiased advice. They’re ready to help you find the perfect insurance for you’re your dream trip.
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Kids won’t automatically be covered under a travel insurance policy. You need to let your insurance broker know your kids are coming on vacation with you. You can purchase a travel insurance plan that covers your entire family.
Your insurance will cover you only for the dates indicated. If your trip is extended, call or email your insurance broker right away. You may be able to extend your policy. If you cannot extend the policy, you can purchase a new travel insurance policy that will cover the rest of the trip.
If you or anyone else listed on the policy is pregnant, be sure to disclose that to your insurance broker. They will let you know if there are any restrictions or considerations for pregnancy.