Heading South this Winter? - What you need to know about Travel Insurance before you go

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Travel Insurance, Calgary

Don't leave the country without it

Just search the web and you will find some horror stories about travel insurance. If your traveling outside of Canada in the next little while make sure you understand what you have for Travel Medical Insurance. Here's a couple of tips:

1.) Check your coverage. If you are depending on the coverage through your Credit Card or group plan at work read the fine print. There are limitations to this coverage, especially with the maximum days per trip it will cover. Most credit cards offer some level of travel medical insurance for short trips of 5-10 days, but keep in mind that, most companies have significant limitations for cardholders over the age of 65 (read the fine print).

2.) Make sure you have the Travel Card with you or the policy number along with the 1-800 number so that you can call your provider as soon as you may need medical help. Most providers of Travel Insurance will limit your coverage if you do not call them within 24-48 hours of a claim.

3.) If you are applying for Travel Insurance for a single trip or buying a multi-trip plan make sure you are covered for the actual days you will be away, including the day you leave and the day you return. Note: You cannot get travel insurance once you have left Canada. And, answer the questions honestly and accurately. 

 

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4.) Don't travel without Emergency Travel Insurance - the costs of medical care outside of Canada is ridiculously expensive. Buying this insurance is not that costly. I know of 2 people in the past few months who have made claims while in the US and their insurance covered them.

 

If you need some help with Emergency Medical Travel Insurance please contact us and we can help you get the right coverage for you and your family. Call us at 587-755-0159 for a quote.

 

Check out our next workshop: Click here.

Click here for your $149 "Retirement Readiness Assessment"

 

Your Trusted Advisors,

 

Willis and Nancy

587-755-0159

 

 

 


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