Why travel insurance is a must


Imagine losing your luggage, needing to cancel your trip due to illness, or facing a medical emergency in a foreign country. Without travel insurance, these scenarios can become both stress-inducing and financially crippling. For Canadians, travel insurance offers peace of mind, ensuring that help is just a phone call away, no matter where you are in the world.

We’ll explore the importance of travel insurance, its key benefits, the different types available, and how to choose the right plan.

Why travel insurance is crucial

First and foremost, travel insurance provides financial protection. Medical emergencies abroad can be exorbitantly expensive, and most provincial health plans don’t cover international medical costs. Secondly, travel insurance offers assistance services, such as help with finding a local doctor or hospital, language translation services, and emergency evacuation. Lastly, it covers trip-related mishaps like lost baggage, trip cancellations/interruptions, and even travel delays up to a certain number of hours or days.

Key benefits of travel insurance for Canadians

Travel insurance offers a multitude of benefits that can make or break your travel experience. Let’s take a closer look at some of the key advantages.

Medical coverage

Medical emergencies can happen anytime, anywhere. Travel insurance provides coverage for unexpected medical expenses, including doctor visits, hospital stays, surgeries, and even emergency dental care. This is particularly crucial for Canadians, as provincial health insurance plans don’t cover healthcare costs outside of Canada. Your travel policy might include pre-existing conditions, exclude them, or include the conditions that have been stable in the last few months. Please make sure to discuss this with your travel insurance agent.

Trip cancellation and interruption

Life is unpredictable, and sometimes plans change. Depending on the coverage you choose to include, travel insurance can cover you for trip cancellations or interruptions due to unforeseen circumstances like illness, natural disasters, or even work-related issues. This means you won’t lose your hard-earned money on non-refundable tickets or bookings.

Lost or delayed baggage

Losing your luggage or having it delayed can be incredibly frustrating. Travel insurance provides compensation for lost, stolen, or delayed baggage, ensuring that you can replace essential items and continue your trip with minimal disruption.

Understanding the different types of travel insurance available

Not all travel insurance policies are created equal. There are various types of travel insurance, each designed to cover specific needs. Understanding these can help you choose the right plan for your trip.

Single-trip insurance

Single-trip insurance covers you for one specific trip. It’s ideal for occasional travelers who don’t plan to travel multiple times a year. This typically covers medical emergencies, trip cancellations, and lost or delayed baggage for the duration of one trip. If you decide to extend your trip, your policy coverage can be easily extended for a longer period of time by purchasing a top-up policy from your agent.

Multi-trip insurance

If you’re a frequent traveler, multi-trip insurance is a more cost-effective option. This policy covers multiple trips within a specified period, usually a year. It’s perfect for business travelers or those who take several vacations annually. With this type of policy, you would choose a certain number of days per trip, and a top-up option is also available for longer trips.

Specialty insurance

Specialty insurance includes policies tailored for specific activities or travel needs. For example, adventure travel insurance covers high-risk activities like skiing or scuba diving. There are also policies designed for students studying abroad or expatriates living in another country for an extended period.

Tips for choosing the right travel insurance plan

Selecting the right travel insurance plan can be daunting, but it doesn’t have to be. Follow these tips to help you make an informed decision.

Assess your needs

Before purchasing travel insurance, assess your specific needs. Consider factors like your destination, the length of your trip, your health, and the activities you’ll be participating in. For instance, if you’re going on a skiing trip, ensure your policy covers winter sports.

Compare plans

Don’t settle for the first policy you come across. Compare different plans from various providers to find the best coverage at the most competitive price. Look at what’s included in the policy, such as medical coverage limits, trip cancellation benefits, and additional perks like 24/7 assistance/translation services.

Read the fine print

It’s crucial to read the fine print of any travel insurance policy. Understand the exclusions, limitations, and conditions that apply. For example, some policies may not cover pre-existing medical conditions, or specific high-risk/sport activities.

Travel insurance is not just an optional add-on; it’s a crucial component of any travel plan. From covering medical emergencies to protecting against trip cancellations and lost luggage, travel insurance provides a safety net that allows you to travel with peace of mind.

Don’t leave your next trip to chance. Ensure you’re covered by getting travel insurance from Westland Insurance. With comprehensive coverage options and expert advice, we’re here to help you travel safely and confidently.