Accidents or sudden illnesses can happen when you are travelling outside your home province. With as little as 10 percent of your out-of-province medical bills covered by a provincial health plan, you could be financially vulnerable. Travel insurance better enables you to prepare for the unexpected. You are protected against the burden of financial expenses resulting from unforeseen emergencies. It is a critical part of planning a trip; an element that – if overlooked – could wind up costing you thousands of unnecessary dollars. But, before you purchase one of the many individual travel insurance plans available, you should check to see if you are already covered. Chances are that if you belong to an Extended Health Care (EHC) group plan, many components of your travel insurance needs are probably already taken care of. If you do not have travel insurance included on your group benefit plan you should purchase personal travel insurance to ensure that you are protected against monetary losses caused by medical emergencies, cancelled trips and lost luggage.
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Trip Protection – Trip Cancellation/Trip Interruption Insurance
Sometimes life takes over and your travel plans go out the window. Maybe you have to cancel your trip for family reasons, or you break a leg, or find yourself suddenly without a job. You can’t plan for everything. There are times when you are forced to call off, change, or even interrupt a well–planned trip. Reimburses travel costs if your travel plans are cancelled prior to departure, or if they are disrupted after the trip has begun. Covered risks may include: unexpected sickness, injury, and/or death of you, your travelling companion, immediate family or your travelling companion’s immediate family; natural disaster; travel advisory; subpoena; hijacking; involuntary job loss; missed connection; the non-issuance of a travel visa and more.
Baggage Insurance
You take the time to pack your personal belongings, so of course you expect your bags to arrive when you do. Unfortunately, sometimes your baggage arrives damaged, or even worse, not at all. Pays for the loss, damage, destruction or theft of your personal effects while in transit, or while in any hotel or any other building, en route anywhere in the world, on water, land or in the air.
Student Medical Insurance
This insurance provides coverage for medical expenses incurred by students enrolled in a school in Canada and Canadian students enrolled in a school outside of Canada. All international students studying in Canada should buy health insurance. Medical and dental treatment in Canada is expensive, and international students are often not eligible for provincial government health plans. Our Student Medical Insurance gives you up to $2 million in emergency medical coverage— treating a stomach ache to a broken leg, and just about everything in between. We even cover you if you’re on vacation anywhere other than your home country.*
* Conditions apply
Snowbird Travel Insurance
If you are having trouble obtaining travel insurance after retirement contact us. We have specialty products that can be obtained at competitive rates at almost any age.
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