Whether you’re travelling for business or pleasure, the last thing you want to be thinking about is getting sick or injured while out of province. There’s no need to ruin your trip worrying about unforeseeable events – just make sure you and your family are covered with the right type of Travel Insurance. Travel insurance can protect you and your family not only outside the country but even when travelling to other provinces in Canada. Keep in mind that the BC medical plan has set rates for services that are almost always lower than what other jurisdictions will charge. Travel Insurance provides coverage for emergency hospital and medical expenses. Check some of your travel insurance options below. Call Us with any Questions you may have regarding your travel insurance: T. 604.276.2474.
Coverage Options Available:
Emergency Medical/Hospital Expense
Up to $10 Million for emergency hospitalization and medical services in excess of your provincial plan.
Meals and Accommodations
If you are in hospital, insured family members or travelling companions remaining with you can be reimbursed for reasonable living expenses.
Luggage
With people choosing higher deductibles on their home insurance, it makes more sense to include coverage for your luggage for theft of or damage to your luggage, personal belongings, travel documents or currency in your travel insurance policy. A travel insurance claim will not impact your home insurance premiums.
Flight Accident
Policies include up to $300,000 for accidental loss of life, limb, sight or disappearance resulting from an aircraft accident. No claims discounts are available.
Emergency Transportation
If you are in need of emergency transportation, your insurer will arrange for emergency transportation to the nearest hospital, and, when you are able to travel, to the nearest hospital in Canada. You can cancel your coverage before you travel with no penalty if there is a death or illness in your family.
Trip Cancellation
If your trip is cancelled, interrupted or delayed due to an Insured Risk that prevents you from travelling as scheduled, you can be reimbursed for non-refundable expenses including out of pocket expenses such as meals, accommodations, and essential telephone calls.
Annual Policies
If you are an active cross-border shopper or are able to travel a lot, you should consider the value of having an annual travel policy. You have no worries if you want to take a quick jaunt over the border because you are always covered and you will usually save money if you are making multiple trips. In addition, changes in your medications during the coverage period will not affect the rate of your policy.
Top-Up Policies
Your credit card might afford you some coverage when you travel. Make sure you thoroughly review the limitations in your credit card wordings. When you go for an extended trip, you may need some extra days covered. This might also be the case with your annual travel medical policy. We can arrange a top up policy to help you extend your stay with peace of mind.
Visitors to Canada Coverage
Is a family member immigrating to Canada? While they wait to be naturalized, they might want to buy some Visitors to Canada Medical Coverage to protect them from accidents or illness. Anyone on a long term visit to Canada should also consider buying Visitors to Canada Coverage.
The last thing anyone wants to do is to start a new life in Canada with unexpected medical bills to pay.
Call Us to discuss your Travel Insurance Options Today: T. 604.276.2474. We’ll help you choose the plan that best suits your needs.