travel
vacation
Is Coronavirus (COVID-19) insured?
In fact, it all depends on your insurer and when you contracted it. The Coronavirus is not to be taken lightly when traveling. Some insurers have clearly stated that they do not cover risks related to the Coronavirus. Before booking a flight or a trip, talk to a travel insurance broker. COVID-19 may not be covered, and certain risks may be indirect.
Tips for buying travel insurance
When you go on a trip, insurance is certainly the least of your worries, and understandably so! It's much better to enjoy lemony oysters on a beach in the South of France. Caribbean to Thousands of kilometers from home, you'll be bitterly sorry you didn't take out good travel medical insurance. After all, medical care outside Canada can cost a fortune. Then there's the question of which insurance is right for you.
Know your travel insurance needs
When you talk to a insurance brokerBut you should never lose sight of your personal needs. Indeed, there's a big difference in needs between travelers who surf in Hawaii and migrating retirees who spend 3 months a year in Corsica.
What are the basic types of travel insurance?
Medical travel Travel insurance: This is the most common type of travel insurance, and it's compulsory. It provides emergency coverage for injuries or illnesses that require medical treatment during your trip.
Trip cancellation/interruption: Should you have no choice but to cancel your trip, this insurance will reimburse your travel expenses, even if your trip is delayed or you are forced to leave before the end of your stay.
Baggage insurance: Perhaps your luggage will be delayed, lost or even stolen during your trip. This is where baggage insurance comes in, covering the cost of your damaged or stolen luggage, as well as reimbursing you for what you've spent out of pocket to replace missing items.
Accidental death and dismemberment: You never know when and where the most tragic events will occur. insurance you'll be covered for the worst.
Multi-trip insurance: It's theannual travel insurance which groups together the insurance policies we mentioned above and the one you need if you travel frequently.
Don't hesitate to ask your travel insurer questions
Given the number of different policies out there, it's only natural that there will be some grey areas you'll want to clarify before taking out a policy. Don't be ashamed to ask your insurance broker questions. As a specialist, he'll be able to answer all your questions with ease. If you're not sure where to start, here are some ideas of the most pertinent questions to ask
What does this policy cover?
Be sure it's the right policy for you, and the one that will cover you best in an emergency. So, once you've purchased the policy, be sure to check all the details and talk to your insurer to understand your coverage.
How much is a travel policy worth?
For most medical policies, you'll be covered for between 5 and 10 million $, depending on the competition. Which is more than enough.
How long is a policy valid?
The time factor for a maximum duration depends on the insurance provider, and also on the different periods of time that the travel insurance will offer you. Of course, the longer the trip, the more expensive the premium.
What is the meaning of the pre-existing medical condition exclusion clause?
There is a possibility that pre-existing medical conditions may affect your coverage, but that doesn't mean you won't be insured. So, whatever medical condition you suffer from, ask your insurer if you can be covered, and what are the best times to travel...
What happens if I make a mistake filling in the medical questionnaire?
To avoid being refused insurance by your broker, don't lie on your medical questionnaire. But it's true that unintentional errors do occur, so ask your insurance provider for information to resolve any such confusion.
Are there any additional charges?
You can opt for a deductible; in most cases, this will automatically reduce your premium.
Do I have to pay upfront for medical care?
There are insurance companies like Assur360 that work hand in hand with hospitals and many other healthcare institutions to make payments without you even having to pay out of pocket. However, it depends on the service provider; some will ask you to be paid on the spot and even ask you to pay for certain care out of your own pocket. Never forget to ask your insurance broker about anything you don't understand.
Are there other ways to save?
For those who travel regularly, the choice of multi-trip annual insurance would be perfect for value for money. You can also purchase an all-inclusive package for a single trip. Always ask about other ways to save on your Quebec travel insurance premium.
Your destination is important: Among the countries with the highest medical costs in the world is the United States. So if you're not going there, make sure you buy a plan that excludes the U.S. Assur360 offers you the option of such a policy.
Need travel insurance in Canada: When you leave your home province, provincial health insurance plans may not cover all your expenses. Opt for additional insurance.
In the event of a natural disaster: Travel cancellation insurance covers you in the event of a natural disaster causing your holiday to be cancelled.
Avoid excessive drinking: Travel insurance only protects you for unforeseen emergencies, so if the cause of your accident is alcohol abuse it's highly unlikely you'll be covered. Contact a specialized broker for advice before purchasing travel insurance.
