The Advantage of Traveling With Health Insurance

Imagine going on your dream vacation. As you head out to see the sights with you family, you realize that you aren’t feeling well and need to see a doctor immediately. If you have purchased Canadian travel insurance, you are able to save yourself some additional anxiety in this difficult situation.

What is Travel Insurance?

Travel insurance provides protection for the traveler in the event of medical emergencies, loss of possessions, unavoidable changes in plans, and other unfortunate situations. Basically, this type of insurance buys you peace of mind when you need it most.

Purchasing Canadian travel insurance is basically the same as a financial contract. The insurance provider is legally bound to provide insurance for the specific events mentioned in your contract.

Despite the fact that there is a considerable risk involved in traveling without proper coverage, Canada and other countries do not legally require you to obtain this type of insurance before setting off on your trip… it is a choice.

Being properly insured while travelling has helped many people make the best of difficult situations. Knowing you have purchased Canadian travel insurance can make it easier to enjoy yourself at your chosen destination.

Travel Insurance Helps with Medical Emergencies

Canadian travel insurance can offer financial protection to people within Canada as well as those traveling to other countries and exotic destinations. Medical insurance coverage helps pay for medical bills incurred when someone is traveling.

Many people report that have obtained this type of insurance helped ease the stress when a medical emergency struck their family abroad. There is already so much anxiety involved in medical emergencies, especially those occurring in unfamiliar places, that having travel insurance can be extremely helpful.

Can Help When a Trip is Canceled

Another benefit of this insurance is that it provides much-needed peace of mind when a trip must be canceled. If a trip is canceled for a reason listed in the insurance coverage for traveling, the cost of the trip is refunded.

Canadian travelers who have purchased insurance in Canada say that while they were disappointed not to be able to go on their trip, they felt very relieved to know that they were not going to be financially responsible for paying for the travel arrangements they had made.

Can Pay for Lost Bags

In today’s world of airline transfers and complicated baggage delivery systems, travel can be hard on baggage. Travel insurance for lost or damaged baggage can help replace the contents of luggage in the even that it is lost, damaged, or stolen.

People who have used their Canadian travel insurance policies to claim lost baggage say that it was a fast and easy process. Airlines and other transportation companies are not necessarily liable for replacing the full contents of lost baggage, so this type of insurance is a must.

Can Help With Rental Cars

Damage or theft of a rental car can ruin a trip, especially if the person traveling is not fully insured. Purchasing Canadian travel insurance can help make sure travelers are not liable for the cost of damaged or stolen rental cars.

It’s often difficult to feel confident driving a rental car in the first place. Many people find that they feel less familiar with the handling of rental cars, possibly increasing the likelihood of an accident.

Rental car insurance is extremely expensive when purchased from the rental car company, so many travelers find it more economical to purchase Canadian travel insurance to cover their rental cars.

Health Insurance for Canada Travel

While we as U.S. residents think often about travel insurance coverage when we’re traveling overseas we’re not so quick to worry about health insurance for Canada travel. This is especially true if our voyage to Canadian provinces is by car and not by air. We don’t expect to need health insurance for Canada travel to protect us from exotic diseases or militant uprisings.

Health insurance for Canada travel should not be ignored, however. Your medical insurance provider in the U.S. will typically only cover a medical emergency in Canada if the emergency was precipitated in the U.S. and the nearest emergency medical care is Canadian. This is especially true if you’re a senior citizen whose only form of medical insurance is Medicare. Health insurance for Canada travel is, therefore, a must.

When you’re shopping for coverage you’ll want to consider several things in your decision. They are: what is excluded from coverage (what particular incidents and situations would your trip coverage not reimburse you for); what sports you can participate in and still be covered by your health insurance for Canada travel; whether you might be excluded from coverage for a pre-existing condition? and if there is a deductible?

The coverage that is customary is for hospital stay, although the per day limitations and ceilings will vary plan to plan; medical care, in-patient and outpatient, including physician fees, as well as those for any nursing care, surgery or anesthesia; medical testing such as x-rays and laboratory work; transportation to or from medical care by ambulance; medical care provided by a private RN (registered nurse); medical equipment such as wheelchairs, walkers, splints and slings; prescription medicine; and the cost of repatriation of the remains of a deceased member of your travel group.

Probably the most crucial part of the plan your choose for health insurance for Canada travel must be good coverage in the case of an emergency evacuation back to your home for medical reasons. This is especially true if you are traveling by airline. The cost of changing travel plans, especially if you’ve purchased non-refundable tickets and must now arrange a new flight last minute can be exceedingly costly. Even from Canada, you must assume a cost of $10,000 for this coverage alone.

Planning ahead by purchasing health insurance for Canada travel will go a long way towards making your Canada vacation a serene stay.

Snowbird Travel Insurance: Covering the Travel Needs of Canadian Travelers

Canada is one of the world’s countries that have made major steps in insurance with provision of insurance services covering various aspects of the human life and his/her belongings. All ages have been covered in their insurance plans. People all over the world are travelling either on official duties or on vacations. If you thought only the working class has been protected during their trips, then you are quite wrong. The old as well as retirees have a reason to smile and enjoy travelling following the introduction of an insurance policy known as snowbird travel insurance. A large percentage of Canadians known by the name “Snowbirds” are making trips from the country more so during the winter season in Canada. More often than not, the trips range between three and six months involving retirees who desire warm weather.

The policy “Snowbird travel insurance” was derived from the name used in reference to this group of Canadians-the Snowbirds. The insurance covers retiree, senior as well as group medical policies. This a product of the partnership between Insurance Direct Canada-I.D.C and Group Medical Services-GMS which are offering an exceptional travel insurance policy specifically to serve the travelling needs of Snowbirds. The Snowbird travel insurance has won praise among Snowbirds who have been ignored for a long time as far as insurance plans are concerned. Canadian retirees have for a long time gone through tribulations and unnecessary anxieties because no insurance policy was catering for their travel needs. As a Snowbird, you now have the opportunity to enjoy the fruits of your labor by travelling to your dream destination without being anxious.

However, GMS isn’t the sole company offering Snowbird travel insurance to insurance buyers wishing to undertake this kind of cover. IDC only acts as a broker representing other insurance firms. Snowbird travel insurance is offered at affordable rates and hence people in different economic levels qualify to undertake the policy.

Regardless of whether Canadian Snowbirds are travelling within or out of the country, they are provided with emergency medical cover. There are also travel insurance policies for Canadian visitors.

No one wishes to go through tribulations while travelling and always hopes to have an exclusive travel experience, but things do not happen as per our expectations. Many times people have travelled across borders without necessarily having travel insurance. However, this was as result of luck and not custom or principle. Snowbirds are subject to regular illness which might strike unannounced and hence need to undertake Snowbird travel insurance cover. When such emergencies occur in the absence of this kind of cover, it is hard for Snowbirds to solve such problems keeping in mind that most of them lack a steady income. This is very beneficial at such times. This policy covers all medical bills saving Snowbirds the agony of indebtedness.

Snowbirds not covered under this policy have ended up spending dearly from their own pockets; expenses they could have avoided had they taken cover earlier. Nevertheless, it is never late and one can always make a step and purchase the policy.