Basic Travel Insurance Why its not enough


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cheap travel insuranceYou’ve purchased some basic cheap travel insurance. And you think “Great, I’m all set.” It’s cheaper. It’s appealing. You got a last minute trip deal, so why add more expense with more insurance coverage? And entertaining the what-ifs (what if I get sick, what if I’m in an accident, what if I need to go to a hospital?) doesn’t matter at this point. But a slight shift in your mindset and the possibility of those what-ifs turning into reality could mean regret and worse—huge medical expenses incurred away from home. A pre-existing condition, a chronic ailment, an unexpected illness or a dental emergency while you’re on vacation could be costly. And you’ll wish your basic coverage included more medical and health benefits. At that point, it’s too late. According to a recent insurance study, 41 per cent of Canadian travellers purchase travel insurance on a regular basis. And 4/10 say they or a companion have required medical attention while travelling. Why gamble when the odds are almost 50/50? If you do take that risk, and purchase just basic insurance coverage, be clear about eligibility requirements and other limitations. And check if the insurance provider will cover expenses upfront or if the policy holder has to pay and then be reimbursed after the fact. If not, the financial setback could be significant and you could be waiting a long time for reimbursement while the claim is beingtravel insurance processed. Keep in mind that basic insurance covers the very minimal: lost luggage; trip cancellation; and missed connections in many cases. That’s it. So consider topping up your basic plan with coverage: • for seeing a doctor, specialist or dentist • for adventure activities like scuba diving or parasailing • for airfare and lodging for other family members to be with you when you’re sick • for emergency expenses in another province in Canada as some provincial healthcare and insurance policies vary when crossing borders. (ie. air or ground ambulances) Travel Insurance isn’t always expensive. But if it does add more money to any great travel deal price, it’s going to make the trip more enjoyable and safe. After all, having peace-of-mind on vacation is priceless.

Other features to consider when purchasing a Travel Insurance


Unlimited coverage for eligible emergency medical expenses not covered by a government health insurance plan

A 24hr emergency toll-free number to call for referrals to a local doctor or facility

Benefits for travellers over 65 (considered high risk) who may find it difficult to get full travel insurance as an affordable price

Features you need in a policy (ie. coverage for skiing or for extreme sports)

Family plan pricing: Travelling with your spouse and children

A "bounce back" feature to cover the cost of a return ticket home in case of an emergency

A Detailed explanation of the limits placed on each type of potential claim


The need for Business Travel Insurance

According to a recent Toronto Star article, domestic and international business travel is booming in best travel insuranceCanada. Due to the expanding global economy and product and service expansions to other world-wide cities, companies need to send representation to meet, negotiate and stay top-of-mind everywhere. This increase in travel means a greater need for employers and employees to have travel protection during unexpected events like an accident, illness, airline issues, inclement weather conditions and more.


World events resulting from political and social unrest have further increased the risk of business travel. Insurance protection for organizations with overseas travel commitments is now more necessary than ever. Let’s face it. Corporate executives have enough on their minds—presenting, negotiating and securing contracts. Having travel coverage in case of emergencies, is one less thing to think about and it provides much needed peace of mind and assurance.

Business travel coverage can include money-saving annual plans for frequent business trips, a single trip plan or coverage for a set amount of trips a year. Many plans best travel insuranceprovide 24/7 emergency medical coverage, protection in case of unexpected job loss and even much needed travel assistance services to help with issues like the recovery of a lost or damaged wireless device, prescription replacement and securing personal safety.

Other features to look for before purchasing the best business travel insurance:

• Trip delay/Missed connection: If a trip is delayed for more than a set number of hours due to specified reasons, a reimbursement is issued for up to a fixed daily monetary amount. Coverage is also provided for reasonable additional expenses, until travel becomes possible.
• Trip interruption: Reimbursement for additional airline transportation expenses, incurred by the traveller to the return destination, due to an unforeseen event.
• Lost luggage: Reimbursement for lost, damaged, or stolen luggage while en route.
• Baggage delay: Reimbursement up to a fixed daily amount to purchase necessary personal effects if baggage is delayed for more than a set number of hours.
• Emergency Evacuation & Repatriation of Remains: Coverage for evacuation expenses (under official direction) to the nearest adequate medical facility or home in the event of death or if medically required.
• Accidental Death: Pays for loss of life and limb if it occurs within 365 days of an accident during a business trip.

Bad weather and natural disasters: Travel insurance helps

Travelling is one of life’s greatest pleasures! And good weather is a big factor when booking your ideal vacation. But considering the changes in climate conditions around the world, prompting unexpected bad weather and natural disasters, there’s no guarantee for perfect weather when travelling. Travel insurance policies can helpTrip cancellation Insurance Canada protect you from unexpected expenses during these unfortunate circumstances. Ask your insurance agent the right questions and read and understand your policy wording carefully.

A few facts to get you started:
1. Coverage does not apply to a forecast (or “known event”) of bad weather because it isn’t an “unforeseen” event (ie. It rains the whole week at your destination).
2. “Bad Weather” or “Natural Disaster Coverage” in a travel insurance policy means that you’re covered if those events haven’t happened but are likely to cause serious harm or financial losses IF they do happen (ie. snow storms, hurricanes, fires, earthquakes, etc.).
3. Travel insurance can include coverage for delayed, cancelled or interrupted trips due to inclement weather. Be sure to get familiar with the details surrounding each situation.
4. Some natural disasters are classified as Acts of God and no coverage is provided.
When dealing with bad weather or a natural disaster, each travel insurance policy is different. Prior to purchasing the policy, ask your insurance agent to explain the terminology, definitions and the fine print you can’t comprehend. Here are some common terms to look for:
a. Trip Cancellation: In many cases, trips that are completely cancelled require a 24-hour shut down of common carrier services. If you cancel your trip within 24 hours of your scheduled departure date and, and if your trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, full reimbursement may be issued within the guidelines of the policy.
b. Missed Connections: You may be reimbursed for additional costs to catch up to a cruise or tour if it is a carrier-caused delay or documented weather condition.
c. Trip Delay: Generally caused by bad weather or a carrier delay, you may be covered for additional expenses incurred during this delay (ie. food, accommodation). Long delays of more than 50% of the length of your trip can turn into a trip cancellation.
d. After death/Death & Medical/Dental Care: If you are injured or killed while traveling and as a result of a natural disaster, benefits may be paid to reimburse you, the medical facility who treated you, or your beneficiaries up to the travel insurance plan limits.
e. Trip Interruption: If you unexpectedly return home early from your trip (including official/forced evacuation or your travel accommodation is uninhabitable), you may be reimbursed for unused prepaid trip costs and one-way airfare.
f. Non-medical emergency evacuation coverage pays for all reasonable expenses incurred for your transportation to the nearest place of safety.

Travel Insurance for cruise vacations

You’ve decided to cruise into your next great adventure! Luxurious moments of relaxation, decadent buffets, spectacular cruise vacationsentertainment and recreation at your fingertips—what more could you want? Peace of mind, of course! So leave your worries at the dock and protect yourself by planning for unexpected events before and during your luxury liner vacation.

Cruise companies are typically not responsible for events like personal illness or accident, trip cancellation, airline delays, lost baggage or a travel agency going out of business. In these situations, travel insurance provides the greatest protection and the fees are usually a small percentage (5% to 8%) of your vacation expenditure. So before you walk the gangplank and do the royal wave to shore, here are a few things to keep in mind:

  1. CRUISE LINE INSURANCE: These plans typically offer modest benefits and more restrictions compared to a third-party insurance provider. For example, cruise insurance can help you catch up if you missed your flight and the ship sailed without you, but may not provide coverage for a restricted or non-refundable ticket.
  2. THIRD-PARTY INSURANCE: These policies are more comprehensive and can provide you with different levels of coverage instead of a one-size-fits-all plan. For example, if a broken leg forces you to cancel your trip, travel insurance can reimburse you, but the cruise line cannot.
  3. FINANCIAL DEFAULT: Cruise line coverage generally doesn’t cover its own financial default. If your cruise line or tour operator goes under, “supplier default coverage” (among other cruise vacationsclauses) in your policy ensures that you recoup your travel investment.
  4. PRE-EXISTING MEDICAL COVERAGE: Travel insurance is required if you have a pre-existing medical condition and must be purchased when making a final cruise payment.
  5. FLIGHTS: Travel insurance can be estimated according to the pending purchase of your airfare and cruise regardless of which one is purchased first. However, most policies need you to buy travel insurance within a specified booking window.
  6. WEATHER CONCERNS: If cruising during hurricane season, purchase travel insurance prior to the formation of the hurricane, not after a weather advisory has been issued. This assures coverage of travel cancellations or delays caused by the storm.
  7. INSURING YOUR CRUISE FARE: You can insure a cruise fare (ie. $1,599.99) which could include coverage for: trip interruption/cancellation/delay; missed connection; lost/stolen/damaged baggage, emergency evacuation; medical/dental and more.
  8. FAMILY COVERAGE: You can purchase an insurance policy with an annual fee for medical evacuation family coverage domestically and when travelling abroad.
  1. SEASICKNESS & NON-EMERGENCY ILLNESS: A cruise is essentially a floating city, with an infirmary in operation 24/7 and staffed by qualified doctors and nurses. Non-emergency conditions treated on board include seasickness, influenza, Norovirus, minor injuries and more. Passengers with respiratory and bacterial ailments are quarantined for up to 72 hours. In case of a more serious illness, you’ll be disembarked at the next port to get proper medical care during which a current and comprehensive insurance policy, and medical documentation, will provide the insurance protection you need.
  2. MEDICAL TREATMENT ON-BOARD: If you receive treatment or medicine from ship physicians, the cost will be charged to your cabin. You would then file a claim with your personal insurance carrier to recoup what’s covered by your health policy. Travel insurance would typically cover the rest. Always best to review your policy details.
  3. MEDICATIONS: If you’ve boarded the cruise ship and realize that you’ve forgotten important meds (heart meds, insulin, etc.), your travel insurance policy could provide coverage for you to legally access the same meds at the next port.

PERSONAL BELONGINGS: A travel insurance policy could help to recover lost/stolen wallets, passports, visas and more.

Myths about travel insurance

travel insurance mythsDon’t leave home without it. Travel insurance, that is. After all, you would never leave on a trip without money, luggage or your camera, right? So if you got a great deal on a trip, and you’ve  maxed out your travel budget, consider this. Spending a few extra dollars on travel insurance gives you peace of mind and savings on medical and travel expenses due to an unexpected illness or accident. Travel insurance isn’t a waste of money. In fact, many group tours, seniors’ travel excursions and cruises require you to have it. Still not convinced? Here’s a look at the truth behind 6 common myths about travel insurance:

  1. MYTH: I’ll be fine! Nothing is going to happen to me. WE KNOW: Traveller’s typically take more risks and do more extraordinary things on vacation. Unexpected accidents and illnesses are a reality anywhere. Additionally, travel insurance comes with emergency assistance to take care of your needs, when you need it the most.


  1. MYTH: I’m travelling in Canada, so I’m completely covered by government health care. WE KNOW: Typically, you are only partially covered by your provincial health insurance, but likely not enough for Canadian trips outside your home province. It’s best to have additional travel insurance that fills in any gaps in coverage.


  1. travel insuranceMYTH: Medical coverage through work or a credit card is all I need. WE KNOW: Non-medical travel insurance may be necessary even if you have coverage through work benefits or a credit card. Review your existing coverage to ensure you’re covered for everything, including customized coverage for special needs. (ie. pre-existing conditions, adventure activities, etc.)


  1. MYTH: Travel Insurance is too expensive & complicated. WE KNOW:  The high cost of medical care abroad is far more expensive than the daily cost of travel insurance. Travel insurance is good for domestic, US and international trips. Online or by-phone applications, with often less than 5 questions, makes the process simply worth it.


  1. MYTH: Travel Insurance won’t cover my age group or pre-existing medical condition. WE KNOW: Ensure your pre-existing condition is stable, and you’re not within the “high-risk” category prior to your trip. Many policies can provide you with customized coverage, based on accurate and complete medical information. Also, source an insurance plan without age limits and one that will cover an unexpected illness or injury (ie. food poisoning or a broken bone).


  1. MYTH: Travel insurers always find a reason to deny a claim: WE KNOW: An insurance policy is a contract between the policyholder and the insurer. Insurers must pay all valid claims based on the applicant’s original information provided.

Adventure & Extreme Sports Travel Insurance

travel insurance back packingMost travellers plan scenic, fun-in-the-sun holidays designed to achieve rest, relaxation and rejuvenation. But there is a growing market for adventure and extreme sports travel involving high-risk activities–not for the weak hearted.

Every year, adrenaline junkies partake in domestic and international thrill-seeking adventures including skydiving, parasailing, extreme-risk skiing on black-diamond hills, bungee jumping, motorized speed sports, scuba diving, parachuting, mountaineering, mountain biking and more. And the price of an unexpected, adventure-related accident could be costly. So for those who love to live life on the edge, having the right kind of travel insurance protection makes sense.

Here are some tips for purchasing insurance for needs outside the box of regular travel insurance products:

Look for insurance with coverage for high-risk activity–termed “hazardous sport” or “adventure sport.”
• Scan the insurance policy & look for an exclusion list (ie. age, pre-existing medical condition, length of stay, etc.) which clearly details & defines if a particular activity is deemed to be “hazardous.”
• Consult a licensed insurance broker who can provide guidance towards higher-risk policies to suit a more daring lifestyle.
• For existing policies, ask if additional protection (typically called a “rider”) can be purchased to include protection for engaging in high-risk activities while travelling.
• For professional athletes in an organized sport: Travel insurance should be obtained through the sanctioned body of the sport (ie. athletics association) to ensure full coverage.
• If adventure travelling overseas, obtain additional medical coverage not included in a domestic healthcare protection plan. Features to include: 24/7 emergency assistance, hospital stay, doctors’ visits, prescription medications & more.
• Scan the insurance policy for features including travel to & from the adventure sport, medical & evacuation coverage, coverage for competitive & non-competitive activities & other requests tailored to specific needs.

travel insuranceNote: Aside from adventurists who live life without limits, industry surveys show that travellers are generally more prone to “risky behaviour” (apt to try new things!) when vacationing abroad. According to the Travel Health Insurance Association, about 75 per cent of travel medical insurance policies offered to Canadians would exclude skydiving or parachuting.

Documentation for Overseas Travel

Travel InsuranceBon voyage! Gute reise! Miłej podróży! Have a good trip… overseas that is! So while planning for the excitement of a new place, people and culture, it helps to research what to take with you and prepare for unexpected events.


Crossing international borders can be complicated and requires the right documentation. Here’s what you need, where to get them, and which ones get you across the borders safely, quickly and easily.

1. Obtain a passport: A passport is the most reliable and universally accepted travel identification document. It proves your right to return to Canada. Processing times: 10 business days (urgent requests in less time) at a Passport Canada office or 20 business days at a Service Canada or Canada Post office.

2. Obtain a visa: This endorsement on a passport grants permission (if necessary) for the holder to enter, leave, or stay for a specific period of time in a country. Processing time: up to 60 business days at the destined country’s foreign representative office located in Canada. Service Canada can assist with this.

3. Buy travel insurance: Protect your health, safety and travel plans from unexpected illness, accident, trip cancellation or other crisis events. Given the various foreign laws and processes, travel insurance offers the cross-border protection you need.

4. Obtain a signed consent letter: If a child is travelling with only one parent, a consent letter from the other parent eases the entry into other countries and re-entry into Canada. Carry the child’s passport, birth certificate and a consent letter at all times.

Travel Insurance5. Present photo identification: All passengers boarding a flight must show documentation with a photo, date of birth and address on it as further I.D.

Aside from carrying travel documentation (and photocopies of all) valid for air, land and sea, a trip overseas requires advance planning and research. Take note of travel alerts and warnings, contact information for the Canadian Embassy in case of emergency, requirements for an International Driving Permit (IDP), packing smart, handling foreign money, local laws, customs and language (learn a few key phrases), vaccinations, medical facilities and valid travel and health insurance. Be prepared. Be safe. Bon voyage!

Multi-trip Annual Travel Insurance: An affordable route!

travel insurance
With all the great deals on vacations and flights these days, it’s tough to resist that get-up-and-go urge to take off. So it makes sense to be prepared for a spur-of-the-moment trip. It makes even more sense to have travel insurance coverage, especially if you’re going to travel more than twice a year.
Consider a Multi-trip Annual Plan. It’s simple, affordable and a great way to protect against the cost of unexpected emergencies. When you’re travelling outside your home province or outside of Canada, as a business traveller, a student, a vacationer or a cross-border shopper, this annual travel insurance plan covers you for an unlimited number of trips (4, 10, 18 and 30 day duration on each trip) taken within 365 days.
Let’s face it, buying travel insurance increases the price of that cheap flight or that tempting, rock bottom priced, all-inclusive trip to the Caribbean. But when you purchase a Multi-trip Annual Plan, the savings makes travel insurance a more attractive essential, not to mention the peace of mind you gain from having coverage. You’ll stay safe without even thinking about it!
Here are some other benefits to a Multi-trip Annual Plan:
• Freedom and flexibility to travel whenever and wherever you want.
• Be insured for up to $5,000,000 million in emergency hospital, paramedical, dental and medical protection
• You have a choice of additional flight accident coverage only OR additional flight accident plus trip cancellation and interruption coverage
• Coverage for expenses related to death.
• Return home of a travel companion or of children under your care.
• Coverage for baggage loss or delay.
Multi-trip Annual Travel Insurance is the most convenient and cost-effective way to get travel insurance coverage all year long. As a frequent traveller, with a passion for short haul or long haul trips, you’ll appreciate our Multi-trip Annual Plan. It is outstanding value considering the level of coverage you get! Bon voyage! Fai un buon viaggio! Gute Reise! Enjoy your trips!

5 Tips for Buying Travel Insurance

Insurance with Assurance: 5 Tips for Buying Good Travel Insurance

An option for some, but a must for others. Travel is on many bucket lists. And it requires take-it- or-leave-it trip essentials that stir up some decisions. “Should I? or Shouldn’t I?” get travel travel insuranceinsurance? According to an insurance industry poll, 7 out of 10 travelers say spending the extra bucks for travel coverage has a big impact on budget. So if buying insurance is the deciding factor on the price of travel, then consider this: your health and well-being is priceless.
Good travel insurance stands up to its price, its promises and its commitment to help you handle the unexpected. Whether it’s for business or pleasure, travel insurance is your assurance for proper medical coverage, health benefits, hospital visits and more. When unexpected illness, injury or emergencies arise, good travel insurance is clear and leaves no room for misunderstanding, misinterpretation and misinformation. Given the recent news about hefty ambulance charges for unexpected situations, it pays to get familiar with the travel insurance coverage you purchase…before you leave the province or the country. Here are some tips for buying the best policy:


1. Know what you need : Good quality coverage that meets your specific needs is most important. Shop for these specifics, compare rates and ask lots of questions. Ask if your insurance company can match competitor rates (online and by phone), offer trip cancellation and extend the policy to multiple trips…and give you a number that’s accessible from anywhere.

2. Tell all: To get the best insurance package for you, disclose any medical conditions, the type of vacation you’ve booked, your travel destination and the activities you’ll do. But be aware that risky adventures, like bungee jumping or scuba diving, nullify your policy.

Travel Insurance3. Collect information on your current coverage:
Review your group health benefits, cardholder agreements and banking agreements before you make a policy purchase. You may already have coverage (even if it’s very minimal) that just needs to be supplemented.

4. Adjust the deductible in your favour
Sometimes changing the deductible affects the price. A higher deductible means a lower premium, maximum peace of mind and minimum risk.
5. Get referrals:
Friends, family and colleagues always have an opinion on good insurance companies. Referrals are your ticket to calling on reputable companies with the most comprehensive coverage, for the best price , and with smooth claim policies.

Top 5 Romantic Roundabouts in Canada!

It’s been all about having fun with the kids and family this summer!  But school is fast approaching and it’s time to plan a romantic getaway just for two! Escape to Canada’s breathtaking landscapes, culinary culture and activities to please all.

But before setting out on that trip, be sure to add travel insurance to your list of must-haves, just in case of unexpected illness, injury or hospital visits. Travel insurance is your safety net, especially for unplanned expenses. Gain peace of mind with protection that offers benefits like medical coverage, healthcare and emergency services. After all, you need to concentrate on each other, not worry about the unexpected! Protect yourselves and travel safe.

Here’s our Top 5 list of romantic destinations in Canada:
1. Niagara Falls:
Travel Insurance canadaBest known as a honeymoon destination, Niagara Falls attracts millions of travellers to its gushing waters (illuminated at night!), lush parks, casinos and entertainment district. Big-name acts serenade nightly and a variety of casual and fine dining restaurants and entertainment venues cater to the big kid or the romantic soul. Couples love the newly-renovated hotels with Falls view rooms, in-room whirlpool tubs and “theme” rooms designed to keep the fires burning. Venturing outside the hotel now and then is a treat too! A revitalized landscape and the 24-hr casinos keep the town hopping!

2. Quebec City:
Travel Insurance CanadaMany say it’s a little piece of Europe in Canada! Steeped in history and filled with romantic restaurants, quaint shops and cozy hotels, Quebec City has gained a reputation as one of the most romantic places in the world. This provincial capital is ideal for strolling along the cobblestone streets, sipping on lattes in a cafe, and exploring its 17th Century architecture. The French-speaking locals take pride in their culture, food and romantic offerings. It’s an ideal destination for couples seeking a relaxed, scenic, and French-inspired concoction of flavours, sights and sounds.




3. Cape Breton:
Travel Insurance CanadaA romantic getaway to Cape Breton offers a laid back way of life and dramatic landscape designed to inspire a deep connection with the land, the people and your partner. As part of Nova Scotia, CB’s distinct Celtic heritage draws visitors to its music, food and cultural charm. Stroll the shores and streets or take a scenic drive along the Cabot Trail for some stunning views. The picturesque landscape is an ideal backdrop for photography, picnicking and breathless moments of stillness. And seafood lovers can delight in reasonably-priced lobster suppers!

4. Banff:
Travel Insurance CanadaThis Alberta destination is a charming town nestled in the Canadian Rockies, less than an hour from Calgary. The world-famous Banff Springs Hotel and Chateau Lake Louise welcome visitors seeking awe-inspiring views, spa-pampering and seasonal activities. Get cozy in the Banff hot springs overlooking the majestic mountains and the turquoise waters of Lake Louise. Hit the slopes for powder snow skiing, hike through gorgeous natural landscapes or take a dogsled ride while snuggled under a blanket. Banff has perfect private spaces ideal for stealing a few kisses, marriage proposals and more!



5. Vancouver Island:
Travel InsuranceHome to the province’s capital city of Victoria, Vancouver Island sits off the coast of British Columbia and features many romantic inlets and harbours. Do a little wine tasting at MooBerry Winery, sample some fine cheeses at Little Qualicum Cheeseworks before and take a romantic stroll through Butchart Gardens before retiring for the night at one of Canada’s most romantic resorts–The Wickaninnish. Exquisite cuisine, ocean views, cozy fireplaces and beautiful vistas of the Pacific Ocean enhance any stay.