Which Travel Insurance Plan Should I Get When Travelling?
Traveling is an exciting adventure, but it's not without risks. Unexpected events like accidents, illnesses, lost luggage, and flight cancellations can easily disrupt your plans and leave you with a hefty bill. That's why it's crucial to have the right travel insurance to protect yourself. However, with so many different types of travel insurance available, it can be overwhelming to decide which one is the best fit for you. In this blog post, we'll explore the top travel insurance plans and what they cover, so you can make an informed decision and enjoy your trip with peace of mind.
Emergency medical
Emergency medical travel insurance is a plan that covers your medical if there were anything to arise medically. Here is what’s covered.
-Maximum of $5,000,000 for all claims combined.
-Expenses incurred to receive emergency treatment.
-Expenses for a surgical procedure.
-Expenses to establish a diagnosis (such as an MRI)
-Expenses for ambulance transportation
-Repatriation expenses.
-Expenses to receive professional services ($300 per profession)
LOCAL TRAVEL INSURANCE
This plan is excellent if you’re a domestic traveller that doesn’t travel internationally. It is also an excellent policy if your local government does not cover you for out of province/star coverage.
Maximum of $5,000,000 for the following.
-To be referred to a doctor
- To have covered medical bills looked after
-To be brought home for medical attention, or
-To access our other assistance services in an emergency
-Arrangement of air ambulance services when necessary and arranged by the Assistance Centre
all inclusive insurance
All inclusive travel insurance insurance is one of the top selling plans that are available because of the great coverage it has for all your travels. Heres whats covered with this policy.
-Emergency medical up to $5,000,000 CAD.
-Flight accident up to $100,000
-Travel accident up to $50,000
-Trip cancellation
-Trip interruption
-Baggage Loss or Damage
-Baggage Delay
-Missed Connection up to $2,000 for same class flight
-Delayed Return up to $350 per day (to maximum of $3,500) for hotel and meal expenses
Note: If you travel very often, this plan can be purchased based on an annual basis, which means that anytime you travel throughout the year, you will be covered for all the mentioned above every trip.
Premium Protection Travel plan
The premium protection travel plan is pretty much the ultimate travel insurance plan available on the market. With this plan you and your trip is totally covered to the tee. We are going to go ahead and tell you what you’re covered for in this plan.
-Cancel for Any Reason Benefit
-Emergency Medical $10,000,000
-Flight Accident $250,000
-Travel Accident $25,000
-Trip Cancellation
-Trip Interruption
-Baggage Loss or Damage
-Baggage Delay
-Missed Connection up to $2,000 for same class flight
-Delayed Return up to $350 per day (to maximum of $3,500) for hotel and meal expenses
Which Travel Insurance Companies Are Great to Use?
Travel insurance is an essential consideration for any Canadian planning a trip abroad or domestically. With many reputable providers to choose from, it can be challenging to know which travel insurance company is the best fit for your needs. Here are some of the top travel insurance companies in Canada.
Manulife
As one of Canada's largest insurance providers, Manulife offers a range of travel insurance plans to suit different needs and budgets. Their plans include emergency medical coverage, trip cancellation and interruption insurance, and baggage insurance, among other options.
RSA Travel Insurance
RSA offers comprehensive travel insurance coverage, including emergency medical coverage, trip cancellation and interruption insurance, and baggage insurance. Their 24/7 customer support is available to assist travelers in case of an emergency.
Allianz Global Assistance
Allianz is an international insurance company that provides travel insurance to Canadians. Their plans include emergency medical coverage, trip cancellation and interruption insurance, baggage insurance, and coverage for adventure activities like skiing and snowboarding.
TuGo Travel Insurance
As a Canadian-owned travel insurance provider, TuGo offers a range of plans, including emergency medical coverage, trip cancellation and interruption insurance, and baggage insurance. They also offer optional coverage for sports and adventure activities.
Blue Cross
As a non-profit insurance provider, Blue Cross offers travel insurance coverage for Canadians. Their plans include emergency medical coverage, trip cancellation and interruption insurance, baggage insurance, and coverage for pre-existing medical conditions.
When choosing a travel insurance company, it's important to read the policy carefully and consider your specific needs and budget. With these top providers, you can rest assured that you'll be covered in case of unexpected events during your travels.
Which travel insurance is best for me?
It really depends on what kind of travels you're into. The great thing to know is that whatever journeys you're into, there is a plan that will cover you. If you're a traveller that travels more than two times a year, we highly recommend getting the all-inclusive annual plan, it's very cheap for what they offer, and no matter where you go in the world, you won't have to worry about buying coverage all the time. If you would like assistance with finding the right insurance plan for you, please feel free to contact us by filling out the form below or if you like call/text us 647 804 5704
