TRAVEL INSURANCE ‘HOT TIPS’

1. WORK WITH YOUR AGENT

  • Plan out a fun, relaxing or adventurous trip with not only your travel agent but also a travel insurance agent. Ask a lot of questions:
  • What are you covered for? Will it cover my parasailing at the resort?
  • Do you need travel insurance while in another province?
  • Will my credit card or will work cover any medical or travel expenses?

2. YOUR MEDICAL MANAGEMENT

Know and understand your recent health and/or medications as part of the travel plans. Work with your health care provider before purchasing any insurance.

  • Note that a minor change in someone’s prescription or medication can mean that the medical condition is not considered ‘stable.'”
  • Work insurance companies who cover people if their medical conditions are under control and stable for certain period

We all know the top reasons for denied claims are medical non-disclosure and misrepresentation about pre-existing conditions that are not stable.

You may be shying away from purchasing insurance but it can be a valued investment to a successful trip. Hospital and medical support can be confusing to navigate in another country, in some cases the final bill could leave you will a trip of financial disaster.

3. TRAVEL COMBOS

A reminder trip cancellation and travel health insurance are two distinct services.

A trip cancellation or interruption insurance covers pre-paid non-refundable expenses should your travel plans be interrupted or cancelled.

Travel insurance is generally sold as product packages or combinations of different types of insurance. For example a comprehensive package covers trip cancellation and interruption, evacuation, medical and baggage, even flight insurance. Ask if there are incentives to upgrade to all or just the type selected.

GLOBAL TRAVEL IS EXCITING – PLAN YOUR TRIP TO BE SAFE