Travel Insurance for Canadians
Heading out of Canada for a trip? Whether you’re hitting the road solo, with your partner, or have the whole family in tow, have you stopped to think about the unexpected? You know, those medical surprises or mishaps that can pop up when you’re out exploring?
Let’s face it, travel’s a blast but it can also throw some curveballs your way. No matter how tight your itinerary is, there’s always that chance something out of left field could happen. Maybe it’s a slip-up, a stolen bag, losing something precious, or a health hiccup or injury that you didn’t see coming.
To keep those travel nightmares strictly in the realm of bad dreams, why not get yourself some travel insurance from Welcome Canada before you jet off? Whether you’re planning a month-long adventure, a quick week away, or even just a day trip across to the States, our travel insurance has got your back against all those unforeseen dramas.
Advantages
- Medical Coverage: Travel insurance ensures you have access to medical care in case of unexpected illnesses or accidents. It covers medical expenses, hospitalization, and emergency evacuation, providing you with peace of mind to enjoy your travels worry-free.
- Trip Cancellation and Interruption: Life is unpredictable, and plans can change unexpectedly. Travel insurance safeguards your investment by reimbursing non-refundable trip expenses in case you need to cancel or cut short your journey due to covered reasons such as illness, injury, or unforeseen events.
- Lost or Delayed Baggage: Imagine arriving at your dream destination, only to find your luggage missing. Travel insurance helps you recover the costs of essential items and clothing while your baggage is located or replaced, ensuring you can still make the most of your trip.
- Travel Assistance Services: Travel insurance often includes 24/7 assistance services. Whether you need help with medical referrals, travel arrangements, or language translation, these services are invaluable in navigating unfamiliar situations in a foreign land.
- Emergency Assistance: In critical situations, having access to emergency services can be a lifesaver. Travel insurance provides assistance in emergencies, offering support in coordinating medical evacuation, repatriation, or getting in touch with loved ones.
Consequences
- Financial Burden: Without travel insurance, unexpected medical expenses abroad can lead to significant financial strain. Hospital bills, emergency medical treatments, and evacuation costs can quickly accumulate, leaving you with hefty bills to settle.
- Trip Interruption Costs: Unforeseen events such as family emergencies or natural disasters can force you to cut short your trip. Without travel insurance, you may lose the money invested in non-refundable bookings, including flights, accommodations, and activities.
- No Coverage for Cancellations: Whether due to personal reasons or unforeseen circumstances, canceling your trip may result in losing the money you’ve invested. Travel insurance provides reimbursement for covered cancellations, allowing you to reschedule your plans without financial loss.
- No Assistance in Emergencies: Traveling without insurance means navigating emergencies on your own. From medical crises to logistical challenges, the absence of professional assistance services can make overcoming hurdles much more difficult.
What does your Travel Insurance Cover ?
Generally, the coverage on your travel insurance differs with different insurance providers and your type of travel, although a majority of them cover you for most of the services, there are various available options to choose from.
Available Travel Insurance Plans in Canada
- Emergency Medical Plans
– Coverage up to $10 million.
– Worldwide coverage – excluding the USA.
– Multi trip or Single trip annual coverage or for up to 15 months. - Trip Cancellation or Trip Interruption Insurance
– Trip Interruption Insurance – for a Multi Trip or Single Trip. - Accidental Death and Dismemberment
– For Multi Trip or Single Trip.
4. Non-Medical Package – for Single Trip, it includes:
– Trip Cancellation & Trip Interruption Insurance
– Accidental Death & Dismemberment Insurance
– Baggage Insurance
5. Trip Cancellation or Trip Interruption Insurance
– Trip Interruption Insurance – for a Multi Trip or Single Trip.
6. Accidental Death and Dismemberment
– For Multi Trip or Single Trip.
7. Accidental Death and Dismemberment
– For Multi Trip or Single Trip.
Why should you have Travel Insurance ?
Your basic Canada’s GHIP or your provincial or territorial health plans may or may not cover you for any medical emergencies that may arise outside Canada. Also, the hospital and medical expenses in a foreign country may turn to be very heavy on your pockets and may require immediate cash payment.
Having a travel insurance will save you from any unforeseen expenses and can get you the necessary help and treatment at the right time. In addition to this, there are a few more benefits of having a travel insurance.
- Customized Coverage Option: There are customized coverage options for solo or frequent travelers, couples, senior citizens, family trips, or students studying abroad.
- Trip Cancellation Coverage: Travel Insurance covers you for any expenses or losses incurred in case your trip is canceled or delayed. Hence, it is also commonly known as trip cancellation insurance.
- Coverage beyond your GHIP: Your Canadian Health Insurance or your provincial or territorial health plans may cover very little or no medical expenses you incur outside Canada, for which your travel insurance gets you covered.
- Medical Emergency Coverage: Many foreign country hospitals may have expensive treatments, may require immediate payment, and may not treat you if you do not have a medical coverage. Having a travel insurance protects you against the stress of expenses in times of any unforeseen medical emergency.
- Coverage for COVID-19: There are coverage options available for travel during the COVID-19 pandemic, subject to the terms and conditions of your plan.