Travel Insurance – Get a Free Quote
Why do I need it when I Travel outside Ontario?
As of October 1, 2019, the Province of Ontario “OHIP” is no longer providing any out-of-country coverage for emergency hospital visits. For Ontario-based travellers, it’s more important than ever to purchase travel insurance before your trip.
Taking a trip this year?
Be sure to buy insurance to protect yourself.
After spending most of 2020 and 2022 stuck at home, many people have been gearing up to take a big trip this year. And given that more countries are finally opening their doors to travellers, the timing may seem perfect for a getaway.
There’s just one problem: The Covid-19 variant is currently causing a surge of cases not just domestically, but also abroad. In light of that, it’s more important than ever to purchase trip insurance if you’re going to travel this year even if you’re using a travel rewards credit card to book your plans.
The Government of Ontario will not pay your medical bills.
Why travel insurance is essential?
When you book travel on a credit card, you’ll generally be entitled to some protection. For example, you may be covered for lost or stolen luggage, missed flights, or problems with your hotel booking.
But there’s one thing credit cards generally don’t offer great coverage for, and it’s medical care abroad including coverage for Covid-19. If you wind up falling ill during your travels and need to be hospitalized, for example, your health insurance may not kick in when you’re out of the country. And you could be on the hook for serious medical bills if you don’t have a comprehensive travel insurance plan. At a time when a highly transmissible virus is circulating, that’s a risk you can’t afford to take.
And speaking of the current Covid variant, it’s causing a lot of countries to implement different restrictions. If things change in a manner that makes you no longer want to travel, you may be out of luck if you don’t have trip insurance.
On the other hand, it’s possible to buy travel insurance that includes a clause that lets you cancel for any reason. These plans do cost more than a basic plan, but they give travelers the most flexibility to call off their trips with minimal financial damage.
Why Travel Insurance
Provincial medical plans do not typically apply to expensive medical emergency costs outside of Canada. These costs are generally financially overwhelming for citizens. For millions of Canadians, comprehensive emergency travel coverage has become an essential part of their holiday plans. A travel insurance plan provides assurance that any unexpected medical emergency costs are covered so you can travel worry-free.
Even while travelling outside your province of residence within Canada, some medical and paramedical expenses may only be partially covered by your provincial health insurance program. There are many plans that are suited for all persons whether you travel frequently or occasionally. Depending on your needs, you can opt for coverage on a daily or annual basis.
What types of travel insurance available
Even while travelling outside your province of residence within Canada, some medical and paramedical expenses may only be partially covered by your provincial health insurance program. There are many plans that are suited for all persons whether you travel frequently or occasionally. Depending on your needs, you can opt for coverage on a daily or annual basis.
Call Glenn now for your Travel Insurance 1-888-256-8685
Additional Coverage Options
In addition to emergency hospital and medical coverage, travel insurance can offer the choice of Flight Accident Coverage, Trip Cancellation and/or Trip Interruption and Baggage Insurance. It can also be purchased as a Multi-trip annual plan or Single Trip plan. By purchasing an All-Inclusive Package one can take advantage of combined discounted rates.
Baggage Insurance
Your baggage and personal belongings can be damaged, stolen or lost anytime, anywhere in the world. Baggage insurance is important as airlines only provide limited protection for your checked baggage and do not cover your carry-on items. Cruise lines and hotels offer little or no coverage. Homeowners or renters insurance may provide limited benefits or have a high deductible.
Trip Cancellation & Interruption
Provides coverage if your trip is cancelled, interrupted or delayed for a specific reason listed in the policy, such as an unexpected event or an injury to you, a family member, or travelling companion.
Single Trip Insurance
Single Trip Insurance can provide security to you and your family while you are engaged in your travelling adventures. These programs provide coverage for unforeseen emergency medical expenses while you are out of your province of residence. Out of province health care costs can be financially burdening as hospitals can charge thousands of dollars daily. Since your resident province may provide partial or no coverage for these charges, you and your family would be responsible for the high costs.
Multi-Trip Insurance
This coverage plan allows for the insured to make as many trips during a one-year period without having to buy insurance every time he/she travels outside your home province. This removes the concern of having to purchase coverage for last minute business trips or a surprise weekend getaway.
All-inclusive Package
This plan combines emergency hospital and medical insurance for Canadians as well as trip cancellation and interruption coverage. Since these plans are purchased in combination, you get savings on great coverage.
This plan also provides coverage for delayed baggage, cancellation by the tour operator (for any reason other than default), accidental death & dismemberment, flight accident, and lost or damaged baggage and personal effects. Default of travel supplier can also be covered, subject to some exclusion.
Call Glenn now for your Travel Insurance 1-888-256-8685
Other Types of Travel Insurance
Visitor to Canada Insurance
A visitor to Canada Insurance can provide peace of mind that coverage will be provided to one’s family members or friend’s vacation to Canada from an outside country for any unforeseen medical emergency expenses during their visit.
Health care costs in Canada are very expensive. Without emergency hospital and medical insurance, visitors to Canada would be responsible for these high costs, which can create a significant financial burden.
Student Medical Insurance
Some insurance companies recognize the complex needs of International and Canadian students studying abroad. As a result, some of the most comprehensive Student Medical Insurance programs are offered. Insurance plans that are available for both International and Canadian students offer the option for the student to purchase coverage for accompanying or extended family members, under a single policy. Some plans provide additional benefits including tutorial services, maternity benefits, annual physician visits, accidental death and dismemberment and much more.
Super Visa Insurance
Super Visa insurance is designed to cover parents and grandparents of Canadian citizens or permanent residents who are traveling to Canada and plan to stay for up to two years. It has to provide a minimum limit of $100,000 coverage.
Call Glenn Now for a Free Consultation 519-896-9970
Related links
Travel insurance Government of Canada – Travel Insurance
Frequently Asking Questions FAQ – Travel Insurance
Contact Glenn Stewart for Travel Insurance, CIP, CRM, CHS, CEA
1-888-256-8685 or glenn@glennstewartinsurance.com
Learn About Travel Insurance
Read Articles About Travel Insurance
Travel Insurance for Canadians available in Kitchener, Waterloo, Guelph, Milton, Mississauga, Toronto, Elora, Elmira, Listowel, Mitchell, Stratford, New Hamburg, Brantford, Hamilton, Burlington, Fergus, Oakville, and Cambridge area.