Too often, we believe that horror stories are things that only happen to other people. Your plans could be disrupted and your trip turned into a nightmare by a serious injury, serious illness or even the death of a loved one. What about if your passport or wallet is stolen? And what if you fell seriously ill before leaving or missed your flight? These are all important reasons to protect your investments by insuring your non-refundable expenses.
A medical emergency or serious accident can happen at any time and can be very costly. Your provincial health insurance plan will only cover a fraction of the cost of emergency medical treatment abroad. Emergency medical insurance picks up where this plan leaves off and can include coverage for unforeseen events, from flight cancellation to serious illness or accidents. That way, if unforeseen circumstances force you to cancel or interrupt your travel plans, you won’t be responsible for non-refundable expenses and medical costs.
We recommend that you carefully review the coverage offered by your credit card as well as its terms and conditions. Some cards do offer coverage, but the coverage is often incomplete and may only cover a limited number of days. Moreover, their coverage often ends when you turn 65.
Your provincial health plan covers only a small portion of the cost of medical services outside of your province of residence when you travel outside of Canada. What’s more, many health care plans do not make payments directly to foreign hospitals. Not only do they require a deductible, these plans may also not cover the cost of emergency medical transportation. Meanwhile, insurance companies’ emergency assistance services are always available to help you get the right medical care. Provincial health plans do not provide this type of assistance or advance payments for emergency medical care nor do they offer special coverages such as air ambulances or emergency dental care.
We strongly recommend that you purchase medical insurance prior to departure and cancellation/interruption insurance when you purchase your trip. Although some of our insurers accept covering a trip that’s already in progress, they may exclude pre-existing conditions, limit the amounts payable under your policy, or impose a high deductible, co-insurance or waiting period.
Yes, you can extend your coverage at any time.
All insurance policies have restrictions and exclusions. To find out more, review the terms and conditions of the products you are interested in. If you have any concerns or questions, please do not hesitate to contact us for any additional information you may need.
As an insurance broker, SecuriGlobe simplifies the process of finding and purchasing the right coverage, saving you time and money with just one call. To make sure you get the best deal, we compare the prices of different products from a wide range of reputable insurers. You can request a quote free of charge. There are no additional fees or hidden costs. Our online quote service allows you to shop for the best coverage. Our certified representatives are always available to answer your questions, make recommendations based on your needs, and confirm your coverage.
