No matter how well you plan your trip, some little nasty things may always find their way to completely ruin your vacation. There may be incidences where you forget your bag in the cheap flights to Vancouver or there may be a theft in the hotel room when you were out for sightseeing. So, should you buy travel insurance? Can all such incidents be covered into your travel insurance?
Following write up will help you with everything you need to know about travel insurance:
Types Of Travel Insurances
Travel insurances are mainly of three types:
· Baggage Insurance
· Medical Insurance
· Cancellation or Interruption Insurance
You must buy a medical coverage while traveling especially when you are with your family that has kids. And baggage coverage is generally rolled in as a part of the travel plan. People generally skip cancellation or interruption coverage since it is a bit pricier; but remember, it can be extremely helpful in event of any natural disaster such as earthquake or evacuation hindering your vacation.
It is recommended to buy the cancellation insurance albeit it feels little heavier on your pocket but you can consider buying cheap flights to Montreal or other destinations to recompense that amount.
Read The Documents Well
Some of the employee cards or credit cards can include out-of-the-province coverage. But such cards may have certain limits regarding the age or eligibility requirements. So, if you are using such cards, it is better to check in advance what is being offered and confirm all the pre-existing conditions. Make sure to cover all the gaps if there are any.
Also check if your card or proposed insurance document covers your whole family along with you.
See Who Is Taking Responsibility
Hospital or emergency bills can be in many thousands or even more than that. It is better to look and see if your coverage is just about reimbursement (where you pay upfront) or it offers cashless operations in case of emergencies.
Check if your insurer will negotiate on your behalf for hospital visits. Also see if it offers any added coverage and also consider deductibles if any. All these things can bring the cost of coverage significantly down. This is specifically true when you already have a medical condition or when you are planning being out of the country for an elongated period.
Advice For Frequent Travelers
You certainly do not buy insurance while going for cross-border shopping just for few hours! But if you are a frequent flyer, looking for cheap flights to Ottawa or any other destination, an annual travel insurance plan will surely keep you covered no matter if your trip is short or extended. This way you would also not need to be worried for any short-notice trip; you would just need to pack and go.
Even if you are not a frequent but casual vacationer traveling with family, it is highly recommended to protect your family against all odd situations with suitable travel insurances. You can ask your trusted travel agency to suggest you appropriate plans.