Travel Insurance for Canadians
Traveling is an exciting adventure, whether you are exploring the scenic landscapes of Canada or jetting off to distant shores. However, unexpected events can quickly turn your dream trip into a nightmare.
At einsured.ca, we understand the importance of safeguarding your travels. That is why we offer comprehensive travel insurance plans designed to protect you from unforeseen circumstances. In this guide, we will walk you through everything you need to know about travel insurance and how it can make your journey stress-free.
Why You Need Travel Insurance
When you’re planning a trip, it’s easy to overlook travel insurance, but it’s one of the most crucial steps you can take. Here’s why:
- Medical Emergencies: Accidents or sudden illnesses can happen anywhere. Without travel insurance, you could face sky-high medical bills, especially in countries with expensive healthcare systems.
- Trip Cancellations: Unforeseen events like severe weather, family emergencies, or sudden work commitments can disrupt your travel plans. Travel insurance can reimburse you for non-refundable costs.
- Lost or Stolen Belongings: Losing your luggage or having your personal items stolen can ruin your trip. Travel insurance can help you recover the costs of your lost or stolen belongings.
- Travel Delays: Flight cancellations or delays can leave you stranded. Travel insurance provides coverage for accommodation and meals during these unexpected interruptions.
- Peace of Mind: Knowing you’re covered allows you to enjoy your trip without constant worry about potential problems.
Types of Travel insurance
- Trip interruptions and baggage delay
- Emergency Medical insurance
Trip interruption and baggage delay
When you’re planning a trip, it’s easy to overlook travel insurance, but it’s one of the most crucial steps you can take. Here’s why:
What is Trip Interruption Insurance?
Trip interruption insurance helps cover unexpected expenses if your trip is cut short or delayed. This could be due to a variety of reasons such as illness, severe weather, or emergencies back home. The insurance typically covers costs that you can’t recover otherwise, such as:
Prepaid Travel Costs
If you’ve prepaid for hotel stays, tours, or flights, trip interruption insurance can help reimburse those costs if you need to end your trip early.
Return Travel Costs
It can also cover the additional expenses to return home or resume your trip if something disrupts your plans.
Accommodation and Meals
If you need to stay longer due to unforeseen circumstances, the insurance can cover the cost of additional accommodation and meals.
What is Baggage Delay Insurance?
Baggage delay insurance offers coverage if your checked luggage is delayed. This coverage helps you manage the inconvenience and unexpected expenses that come with not having your belongings. Typically, insurance providers will offer a set amount per day to help cover necessary items such as clothing, toiletries, and other essentials.
What's covered in Trip interruption and baggage delay insurance?
- Medical Emergencies: If you or a travel companion gets seriously ill or injured.
- Family Emergencies: If a close family member falls seriously ill or passes away.
- Natural Disasters: Hurricanes, earthquakes, or floods that prevent you from continuing your trip.
- Travel Provider Issues: If your airline or tour operator goes out of business.
- Essential Purchases: Toiletries, clothing, and other necessary items while you wait for your luggage.
- Long Delay: Coverage generally kicks in after a specified number of hours, such as 6 or 12 hours.
- Delayed Delivery: If your luggage is delayed for more than the specified hours, the insurance can reimburse you for the essential items you had to buy.
Emergency Medical Insurance: Your Lifeline Abroad
Welcome to Canada Emergency Medical Insurance
Emergencies can happen anytime, anywhere.
Emergency medical insurance provides peace of mind. It ensures that you and your loved ones are protected in unexpected situations.
Emergency medical insurance provides peace of mind. It ensures that you and your loved ones are protected in unexpected situations.
What is Emergency Medical Insurance?
Emergency medical insurance is designed to cover unforeseen medical expenses in the event of an accident or sudden illness. It helps pay for hospital stays, surgeries, prescription medications, and other essential medical services.
Emergency medical insurance is designed to cover unforeseen medical expenses in the event of an accident or sudden illness. It helps pay for hospital stays, surgeries, prescription medications, and other essential medical services.
Suitable for:
Canadian travelling outside Canada
Students going to study overseas
Canadians Traveling outside of province
What Does It Cover?
Emergency medical insurance typically covers the following:
Exclusions to Be Aware Of:
Pre-existing Conditions:
- Conditions that existed before purchasing the insurance may not be covered unless the right plan is bought.
High-risk Activities:
- Injuries from activities like extreme sports might be excluded.
Elective Procedures:
- Non-emergency treatments and cosmetic surgeries are typically not covered.
How to Choose the Right Plan
Assess Your Needs
Consider your destination, the length of your trip, and the activities you’ll be participating in.
Compare Plans
Look at different options and what they offer. Pay attention to coverage limits and exclusions.
Consult an Expert
At einsured.ca, our experienced advisors can help you select the best plan for your needs.