Travel Insurance for Canadians:
Offering Travel Insurance Plans for:
- Emergency Medical Insurance for Canadians traveling out of province, and out of Canada.
- Visitors traveling to Canada.
When traveling outside your home province, unforeseen emergencies can happen. Travel Insurance can give you the peace of mind to know you will be looked after.
Probably everyone has crossed the border or traveled outside of their Province without Travel Insurance.
However, if you have an accident or become ill outside of your home Province, your Provincial Health Plan may not cover all your medical bills. Without Travel Insurance you may end up paying thousands of dollars in medical expenses from your own pocket.
Fortunately Travel Insurance is a bargain. A $1 million policy for a healthy individual only costs a few dollars a day.
Canadian Family Medical Plans are dedicated to finding you the best Travel Insurance Policy for your needs. Whether you are a frequent flyer looking for an Annual Travel Policy, or an excited traveler going on your first vacation in years, we have the right plan for you. We shop several reputable suppliers, saving you time and money while providing you with peace of mind.
Quick Money Saving Tip: Check your health insurance plan to see if it includes Travel Insurance. Some health insurance policies include $1,000,000 to $5,000,000 of travel insurance coverage. On many medical plans, travel insurance is an optional add-on. Check your medical plan to see if you need to purchase travel insurance.
Why You Need Travel Insurance with Four Examples
Introduction to Travel InsuranceWe have all heard about unexpected travel medical emergencies which result in delayed treatment and financial stresses. Provincial health insurance plans and other travel insurance like credit cards and employee group benefits may not adequately provide the coverage to handle these travel emergencies. Many make you pay up front and then submit claims or take far too long to approve your recommended treatment when the emergency occurs. One of the travel insurance companies has provided the following real-life scenarios – make sure you have the travel insurance to deal with these types of events.
A Medical Emergency Insurance
A 50-year old woman on a cruise ship in the Caribbean had a medical emergency and collapsed. The ship board doctor recommended that she be taken to a hospital at the next port of call. It cost $50,000 for the hospital, emergency air ambulance home, and emergency air transportation for her family. Would your emergency accident and sickness travel insurance cover these costs?
The travel insurance company paid her medical costs and in addition, they were reimbursed $10,000 for the lost a portion of the pre-paid cruise.
However there is more, would your travel insurance also cover a translator to work with the hospital’s physician and your family doctor to develop the best plan for treatment, provide an air ambulance to bring her home, provide transportation for the family, and even ensure there was a hospital bed waiting for her return.
Finally, their travel insurance company arranged to pay all the medical bills directly to the suppliers, their out of pocket costs were minimal.
Trip Cancellation Insurance:
This applies to prepaid vacations – Mexico, Cruise, Disney etc. A family purchased a $12,000 tour package that included return flights to Orlando, hotel accommodation and theme resort day passes to Disney. The father was involved in a car accident two days before the trip and was hospitalized. The travel packaged offered no refund as it happened within two days of departure.
The trip cancellation insurance refunded the entire amount including the day passes.
Trip Interruption Insurance:
Newlyweds in Montreal purchase an Alaskan Cruise including air fare to Vancouver but bad weather causes their flight to be delayed and they miss their departure.
They made one call on their trip interruption insurance, and arrangements for hotel catching up with the cruise or a return flight home are covered plus the value of any lost days on the cruise are reimbursed.
Lost Travel Documents Insurance:
When we travel we use fanny belts but it is stressful keeping all the documents. A senior traveling in Spain lost her passport and travel tickets.
One call to her travel insurance company looked after getting everything replaced. Can you imagine what it would be like in a foreign country not speaking the language to get new tickets and documents? Very time consuming, stressful and possibly costly.
Travel Insurance Conclusion
You have a couple of choices when you travel. You can pay say $6,000, $12,000 or what ever your trip costs and be self insured, rely on credit card travel insurance, group travel insurance or you can pay a little more for peace of mind and completely remove that risk and stress from the vacation. Why take the chance?
How can we help you?
24/7 Personal: 1 866 281-2365
Office: 1-866-747-7615 8:30 - 4:30 pm PT
E-mail: info@insurancedirectcanada.com
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