-
Recent Posts
-
As Featured On...
Insurance Policy | Tagged Posts
2017
14
June
Are All the Extra Coverages in Travel Insurance Worth It?
14
June
Question:
Humans say...
Melissa
ive been reminded to make sure they have the transport home fee's incase u have to fly back via air ambulance, also the coverage for if your traveling alone, so a loved one can travel to where u are in the hospital. blue cross covered all that on our last trip aswell
Heather
Also to leave a copy of your insurance policy with someone at home, not just your itinerary. Sometimes difficult for the hospital to help you if they don't know who covered you
Cindy
have a look into your credit card our MC covers most things
Lynnette
Thanks I'll look at mine
Heather
Repatriation is a big deal
Parveen
Also if you have extended medical through work, buy it through that provider.
You have a thing called lifetime maximums with your extended medical. What will happen if you don't buy with your extended medical is that the company that you have the policy with will go to your extended health provider (without consulting you of course) to get money. This eats into your lifetime maximums with your extended health program
Lynnette
Thank you we'll definitely look into our extended medical at work
Parveen
What I am going to be doing personally is buying extended coverage through great west life (my extended health), and also getting a policy with BCAA.
The reason is due to those lifetime maximums - and also because GWL has a shitty policy that doesn't cover pre-existing conditions and other things.
So if anything happens GWL will be a first payer and BCAA can pickup the rest. This seems so crazy but I am willing to bear the additional cost.
I didn't know about the lifetime maximum issue until it hit the news when a senior citizen couple had an issue in the USA. They needed to preserve their lifetime maximum due to ailing health.
(But great west life coverage sucks - but they are my extended health provider)
Lynnette
Ours is Sunlife but I also looked at BCAA. We get medical through extended (sunlife) maybe I'll look at BCAA for the rest. I also have to check my MC yet
Kirsten
RBC (royal bank) has the best insurance hands down. Highly recommend them.
Paulette
Definitely worth getting, especially when you need it - try and get a multi trip plan, it is much cheaper than a single plan each time you travel, covers costs for travel within Canada as well - a broken arm or leg, especially in the US will cost you $10,000 plus - but READ, READ, READ before you commit to whatever plan you use and ask lots of questions
Diane
Agreed. Especially if you plan to rely on credit card insurance - there are lots of loopholes...like all costs from the time you leave your home province (defined as "trip") must be charged to the credit card you are claiming from. We now use a third party insurer!
Sharron
Amex, AAA, etc all have plans. Best one so far is Federal Gov't retirees (if you qualify) it is through Johnson & Johnson. Annual policy for multiple trips.
Brian
tugo
Disclaimer: I am a broker and our office would receive a commission if you bought through this link. But you can also find a broker on tugo's site.
Andrew
tugo
Brian
So what insurer do you prefer? Which one covered you and allowed untranslated foreign documents?
Paulette
Also be aware that "extreme sports" are usually not covered - this often includes zip lining, para sailing, off road adventures, scuba diving, etc - all those things we tend to like to do/try/experience while on holidays
Karen
Its worth it if you purchase travel online and not through a travel agent.
Wendy
We got it all when we travelled to Ireland
Maria
Travel Guard is amazing. They have a blanket coverage package. For all of it. Im a TA who has a dealt with client cancellations/emergencies over the years. They are great to deal with. Really any of them you to decide to go with is ok. Just get the coverage
A.I. says...
Travel Insurance: Which Extras Are Worth It?
Travel insurance can be a great way to protect yourself from unexpected events that can ruin your trip. But with so many different options available, it can be hard to know which ones are worth getting. In this blog post, we'll take a look at some of the most common travel insurance add-ons and help you decide if they're right for you.
Medical Coverage
Medical coverage is one of the most important types of travel insurance. It can help you pay for medical expenses if you get sick or injured while traveling. Most travel insurance plans will include some level of medical coverage, but you can usually purchase additional coverage if you need it. If you're traveling to a country with a high cost of medical care, it's a good idea to get as much medical coverage as you can afford.
Trip Cancellation/Interruption
Trip cancellation/interruption insurance can help you recoup your costs if you have to cancel or interrupt your trip for a covered reason. Covered reasons can include things like illness, injury, death in the family, or natural disasters. Trip cancellation/interruption insurance is a good idea if you're worried about having to cancel or interrupt your trip for any reason.
Baggage Insurance
Baggage insurance can help you replace your belongings if they're lost, stolen, or damaged while traveling. Most travel insurance plans will include some level of baggage coverage, but you can usually purchase additional coverage if you need it. If you're traveling with valuable belongings, it's a good idea to get as much baggage coverage as you can afford.
Extra Medical Covering Death/Dismemberment
Extra medical covering death/dismemberment insurance can provide you with additional coverage if you die or are dismembered while traveling. This type of coverage is typically only available as an add-on to a travel insurance plan. It's a good idea to consider getting this coverage if you're traveling to a dangerous destination or if you have a pre-existing medical condition.
Trip Delay
Trip delay insurance can help you recoup your expenses if your trip is delayed for a covered reason. Covered reasons can include things like weather delays, mechanical problems, or strikes. Trip delay insurance is a good idea if you're traveling on a tight schedule or if you have important appointments or events that you need to attend.
Which Extras Are Worth It?
The best way to decide which travel insurance extras are worth getting is to consider your individual needs and circumstances. If you're traveling to a dangerous destination or if you have a pre-existing medical condition, you'll want to get as much coverage as you can afford. But if you're only traveling for a short period of time and you're not worried about losing your belongings, you may not need to get any extras at all.
Here are some general tips for choosing travel insurance extras:
- Consider your destination. If you're traveling to a dangerous destination, you'll want to get as much coverage as you can afford.
- Consider your health. If you have a pre-existing medical condition, you'll want to get as much medical coverage as you can afford.
- Consider your travel plans. If you're traveling on a tight schedule or if you have important appointments or events that you need to attend, you'll want to get trip delay insurance.
- Consider your budget. Travel insurance extras can add to the cost of your trip, so it's important to consider your budget when making your decision.
By following these tips, you can choose the travel insurance extras that are right for you and protect yourself from unexpected events that can ruin your trip.
Sites
Lynnette
Please delete if not allowed.
Question:
Travel insurance with all the different options out there now what does everyone get. Medical, trip cancellation/interruption, baggage insurance, extra medical covering death/dismemberment etc.., trip delay and more. Is all the extras worth it or just medical??
Thanks