Anything can happen when you travel. An accident, illness, stolen luggage, or a death in the family can force you to cut your trip short and turn a good time into a nightmare. Protecting yourself adequately against all of these eventualities can save you a lot of trouble.
All-inclusive travel insurance typically includes three types of coverage:
Although you can pick one or two of these coverages, we strongly recommend opting for the all-inclusive package. With all three coverages, you’ll have the peace of mind to enjoy your trip to the fullest.
The comprehensive insurance policy includes the reimbursement of medical expenses incurred as a result of a medical emergency while you are travelling. No matter where you go in the world, emergency medical expenses will always far exceed the amount reimbursed by your provincial health insurance plan.
For example, of the $10,000 per day it costs to be hospitalized in the United States, the provincial plan will only reimburse $100. If you do not have travel insurance, you will have to pay the difference. Avoid coming back from vacation burdened with debt like so many travellers and take out travel insurance before you leave the country.
Depending on the nature of the emergency, the following expenses may be eligible for reimbursement:
Advice
If you have a health issue while travelling, you must notify your insurer through its assistance service. You should do this as soon as possible, and ideally before you see a doctor. In addition to authorizing your consultation and guiding you through the process, the assistance service offers a range of assistance options according to the situation.
Thanks to the cancellation and interruption coverage included in the All-inclusive Plan, you can cancel or interrupt your trip in the event of an unfortunate event and still have your travel expenses covered. The insurance company could notably reimburse your airline tickets, accommodation and excursion bookings if you have to cancel part of all of your trip due to an unexpected event.
Note: It’s very important to specify the total value of your trip when you request a quote online or when you speak to one of our certified representatives. This amount will be the basis for the calculation of your cancellation and interruption insurance coverage. Even if you have only paid a deposit for the total amount of your trip, you may be covered for that amount, but it is your responsibility to contact us to ensure that your trip is fully covered.
Examples of risk coverage
Finding yourself halfway around the world without your luggage can quickly transform your trip into a nightmare. To avoid this chaos, an all-inclusive insurance covers not only the loss, theft or delay of your luggage, but also any damage to it, as well as your currency and the cost of replacing documents such as your passport.
Advice
Many all-inclusive policies cover a maximum of $250 per item. If you’re travelling with more valuable items, such as a high-end bicycle, read each policy carefully to see how much is covered, or contact us.
If you are a frequent traveller, an annual travel plan may be the best option for you. This will not only save you money, but also avoid having to take out a new policy before each trip.
Whether you’re planning a single trip or several throughout the year, an all-inclusive insurance is designed to let you focus on what’s most important: you and your trip. Not sure which insurance is right for you? To find the right product for you, contact one of our certified representatives.
