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Travel Insurance: Know What’s Covered Before You Go

Categories: Travel Insurance

Most people these days don’t even think about getting travel insurance before heading away for their big getaways, but what if something happens that you aren’t prepared for? At Mountainview Insurance, we know that travel insurance can save you a lot of hassle when you’re traveling outside of Canada, and that it’s always a good idea to know what your travel insurance will cover.

Why You Need Travel Insurance

When you’re traveling outside of Canada, even a minor accident or sickness can become a major expense and inconvenience. A lot of people tend to take the risk of traveling without buying travel insurance because they believe that their credit card, employee group plan, or even their provincial healthcare plan will cover them. Unfortunately, this is not the case. In fact, your government health insurance may cover a portion of your medical expenses once you travel outside of your home province, and the insurance that comes with premium credit cards is usually limited to the number of days covered or maximum claim amount. Likewise, with employee benefits, you may not be covered for all medical emergencies and you may only have limited travel benefits and lifetime maximums.

What Does Travel Insurance Cover

There are five basic types of coverage provided with travel insurance, including:

Cancellations

Trip cancellation coverage reimburses you for pre-paid, non-refundable expenses in the event that you need to cancel your trip before you depart. Your travel insurance company can provide you with a list of covered reasons for trip cancellation, which can include:

  • Sickness or injury
  • Death of you, a family member, or a traveling companion
  • Hurricane damages your destination or cancels your flight
  • Laid off work or required to work
  • Terrorist incident in your destination city
  • Bankruptcy of your travel supplier
  • Called for jury duty

Medical Emergencies Abroad

Medical expense coverage will cover you for accidents and emergency medical and dental care when you travel abroad. Even if you are covered for basic emergency care overseas, your current health insurance provider most likely won’t pay to evacuate you and repatriate you back to Canada.

Emergency Evacuations

Emergency evacuations will pay for expenses such as airlifts and medically equipped flights back home, and transportation to your chosen hospital for care.

Lost Bags, Delayed Bags, and Delayed Flights

  • Baggage coverage can reimburse you for your personal belongings if your luggage is lost, stolen, or damaged.
  • Baggage delay coverage provides money so that you can purchase essential items until your delayed bags arrive.
  • Travel delay coverage reimburses you for additional expenses if your flight is delayed.

Choosing Mountainview Insurance

Before you buy any type of travel insurance, make sure that you know what’s covered before you go. There are many different types of travel insurance packages, and, if you are living in the Abbotsford area and are looking for someone to help you make the right choice about the package for you, please feel free to contact Mountainview Insurance at 604-557-0255 or request a quote on our website.

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