Travel Insurance Abbotsford

While most people tend to think that purchasing medical insurance before leaving the country is not necessary, having travel insurance will prevent you from having to pay thousands of dollars in medical expenses if you are injured while travelling abroad. The team of professionals from Mountainview Insurance in Abbotsford can help you select the best travel insurance plan for your specific trip. Get in touch with the travel insurance providers from Mountainview Insurance today to get a free quote.

What is travel insurance?

Travel insurance is a type of insurance policy that is designed to address the financial impacts for many common problems that arise when travelling, such as lost luggage or medical expenses due to an injury. Travel insurance policies can be sold for either single trips or for defined time frames with the option to renew indefinitely, depending on your specific needs. Similar to other types of insurance coverage, travel insurance plans will only cover specific events up to a predetermined coverage limit. The coverage limit that you select will determine the policy premiums that are paid for when the policy is first purchased or on renewal dates.

Why is travel insurance important?

Choosing to travel outside of the country without having travel insurance means running the risk of taking on a major expense and inconvenience in the event of a minor accident or sickness. While most people tend to think that they do not need to purchase travel insurance because they will be covered by their credit card, employee group plan, or their government health insurance, this is not the case. These types of insurance policies will only cover a small portion of any medical expenses while you are outside of Canada. Purchasing a travel insurance plan is the only way to ensure that you will be completely covered while travelling abroad.

Types of travel insurance

Some of the different types of travel insurance policies that you can choose from include:

Single trip insurance

Single trip insurance plans can be purchased for discrete trips, portions of trips, or to cover the duration of an entire trip. This type of policy will provide you with coverage from the moment you leave home to the moment you return.

Annual trip insurance

If you enjoy travelling frequently, purchasing annual trip insurance will be the best option for you. Annual trip insurance policies are usually good for one year and can be renewed indefinitely. Most travel insurance providers offer annual plans for single travellers and couples with minor-age children at no additional cost. This type of travel insurance policy also tends to be cheaper than a single trip insurance policy.

Medical Insurance

Medical insurance, sometimes referred to as travel health insurance or international health insurance, is specifically designed to provide you with cash payments or to reimburse you for medical treatment and transportation expenses related to a medical emergency outside of Canada.

Evacuation insurance

Evacuation insurance plans work to reimburse travellers or provide them with cash payments for urgent and emergency evacuations worldwide. In most cases, covered travellers will often face little to no out-of-pocket upfront costs that would later require reimbursement.

Accident insurance

Accident insurance for travellers will almost always provide cash payments for accidental death and dismemberment, either to you or your designated beneficiaries. This type of travel insurance plan can also include direct payments or reimbursements for medical evacuation and emergency medical treatment, beneficiary payments for travellers killed in flight accidents, and supplemental term life payments to family members.

Travel Insurance from Mountainview Insurance

The professional team from Mountainview Insurance offers a variety of different travel insurance policies. If you are looking to get a free quote on travel insurance, get in touch with us today. Our friendly team would love to help you select the best coverage options for your specific trip, whether you are travelling overseas or just across the border.

Frequently Asked Travel Insurance Questions

What are the 3 most popular types of travel insurance?

The most commonly purchased types of travel insurance are medical insurance, luggage insurance, and trip cancellation/interruption insurance.

Is it cheaper to buy travel insurance separately?

When it comes to purchasing cancellation/interruption insurance, it is often cheaper to purchase an insurance policy for each individual trip than it is to buy an annual policy; however, when it comes to buying travel medical insurance, it may be more cost-effective to purchase an annual pass, depending on how often you travel and your provider.

How far in advance should you buy travel insurance?

Purchasing travel insurance as soon as you know your travel dates will ensure that you are covered if you need to cancel your trip before your leave or in the event that you are no longer able to travel at all.

Does travel insurance get more expensive closer to the departure date?

Unlike other parts of booking a trip—hotel room rates, airfare, etc.—the overall cost of travel insurance does not increase the closer you get to the travel date.

What is not covered by travel insurance?

In most cases, trip cancellations or trip interruptions that are caused by known, foreseeable, or expected events, fear of travel, or epidemics are not covered by travel insurance.

How much does travel insurance cost?

The overall cost of travel insurance will vary based on the cost and duration of your trip. Make sure to speak with your insurance provider to find out how much travel insurance costs through them and what your best options will be.

Does travel insurance get more expensive with age?

Similar to other types of insurance, the cost of travel insurance does increase with age. This is because insurance providers will often perceive older travellers as being a higher risk of claims.

Does travel insurance cover airline cancellations?

In most cases, comprehensive travel insurance will cover cancelled flights that delay your trip for at least 3-12 hours. If the flight is delayed more than 12 hours, you may also qualify for cancelling the entire trip, depending on your policy.

Do you have to declare all medical conditions when buying travel insurance?

When purchasing travel insurance, it is important to declare all existing medical conditions. You should never assume that your condition will be covered, as doing so may mean that claims you need to make will be rejected.

How can you lower the cost of travel insurance?

One of the easiest ways to lower the cost of your travel insurance policy is to leave expensive valuables like jewellery, watches, and laptops at home.

Does travel insurance cover 100% of a trip?

No, travel insurance does not offer full reimbursement for a trip. In most cases, policies will provide reimbursement for 50-75% of a trip; however, some policies require you to cancel within a certain timeframe in order to receive reimbursement. Make sure to check with your insurance provider what the exact specifics of your policy are.

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