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Heading south for the winter? Take a moment to assess your Travel Insurance needs

By December 1, 2019 Advisor, Consumer
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So you’re heading somewhere warm for the winter. Lucky you! Whether you’re a snowbird taking an extended vacation down south or are checking a new destination off your bucket list, your travel plans should include Travel Insurance. Perhaps you already have Travel Insurance in place. But do you know if you have enough? You may not be as protected as you think. For instance, consider the following:

Travel Insurance offered by Credit Cards isn’t always adequate.

Credit cards vary on what they offer travellers. If you booked your trip with your credit card, you maybe covered for trip interruption and lost/stolen baggage, or even protected against emergency medical costs up to a certain amount. Don’t assume that you have all the coverage you need; check carefully as to exactly what is covered and up to what amount. Often it makes sense to bump up your coverage with a separate, additional policy.

Workplace Travel Insurance policies may come with certain restrictions.

While Travel Insurance through a work policy is a definite perk, your coverage may not be comprehensive enough for your needs. There could be limits on the trip duration, certain eligibility restrictions such as age or hours worked might be in place, and the policy may contain required health or medicine stability clauses. Begin by talking to your plan administrator. Ask whether there’s an option to purchase extra coverage to get you up to where you need.  Or, supplement your workplace Travel Insurance with an additional policy to protect yourself.

Have a pre-existing condition? Travel Insurance is even more important.

An existing medical condition doesn’t make you ineligible for Travel Insurance, you just need to know where to look. Providers such as Canada Protection Plan offer Travel Insurance to people with existing conditions such as Heart Conditions, Diabetes, Parkinson’s, Multiple Sclerosis and more. Not only that, depending on the plan selected, you may not even have to take a medical test to qualify.

Even the Government of Canada advises Canadians to get Travel Insurance.

Our healthcare benefits don’t cover medical bills for illnesses or accidents that take place abroad — or even outside your province of residence, for that matter. These expenses become your responsibility.  Foreign hospitals can be very expensive, and some may even require upfront cash payments. That’s why even young, healthy Canadians are advised to get Travel Insurance that covers the cost of hospital stays and medical treatment outside the country. They also suggest ensuring that your policy covers pre-existing medical conditions and relocation back home.

You need Travel Insurance. But you’re leaving in a few days!

Luckily for procrastinators, it doesn’t take long to get approved for Travel Insurance. Just visit Canada Protection Plan or call 1-877-847-9090 for a quick, no obligation quote. A licensed Insurance Advisor can tell you which plan is right for you: policies cover up to $10 million and include benefits such as hospital stays and medical services, prescription medicines, emergency dental, meals and accommodation, transportation of a family member or friend, and even the return of a vehicle should you have to fly home unexpectedly.

Taking the time to ensure that you have proper coverage before you leave, will be time well spent. Besides, your efforts will be quickly forgotten just as soon as you feel the warm sun on your face. Bon Voyage!

Whether you are traveling out of country or out of province, make sure you purchase travel insurance in advance. Canada Protection Plan offers many options for Travel Medical Insurance, including insurance for Snowbirds, annual multi-trip insurance,  trip cancellation and more.
To learn more about Canada Protection Plan and our line of comprehensive No Medical and Simplified Issue life insurance solutions, call Broker Services at 1-877-796-9090 and we will be happy to assist you or put you in contact with Sales support in your region.

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Pour en savoir plus sur Plan de protection du Canada et sur sa gamme complète de solutions d’assurance vie sans exigence médicale et à émission simplifiée, communiquez avec les personnes-ressources des Services de courtage au 1 877 796-9090, qui seront heureuses de vous aider ou de vous mettre en contact avec l’un de nos soutiens aux ventes dans votre région.

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