Today’s travellers prioritize flexibility, affordability, and digital convenience when it comes to choosing their travel insurance. Whether you are looking for tailored coverage that fits your specific travel needs, it’s important to know how to pick and choose your coverage options – and how to get the best quote for coverage quickly.
So, let’s not waste any time – here’s what you need to know so you can get travelling.
Medical coverage is a top priority
With rising healthcare costs and lingering concerns about global health risks, emergency medical coverage is a must have, not just a backup plan. It’s an essential part of trip budgeting.
Emergency medical travel coverage prioritizes your financial security to ensure your adventures go as smoothly as possible. If you get ill or are injured on your trip, emergency medical travel insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
And make sure your insurer has strong customer reviews, like Manulife, Destination Travel or TuGo that offer you a reliable claims process, and 24/7 emergency travel assistance. The last thing you want is to deal with red tape when you need help while you are away from home.
Know your needs
Are you an adrenaline junkie chasing extreme sports? A business traveller hopping from city to city? Or a vacationer seeking peace of mind? Choose coverage that aligns with your itinerary and activities.
Did you know some policies exclude high-risk activities? Always check for coverage if you plan on skiing, scuba diving, or bungee jumping.
Concerts, festivals, and sporting events trips often involve non-refundable tickets and high costs, so make sure you get trip cancellation and interruption coverage to protect your investments.
Whether it’s adventure sports, concert trips, or your digital nomad lifestyles, insurers offer flexible plans that allow you to pick and choose the coverage options you need.
Be ready to pay a little extra for protection
While going cheap is tempting, you should be a little more willing to invest in your travel insurance to safeguard your trips.
What are smart ways to save? If you are travelling with friends or family TuGo offers a special family and friends’ rate for up to two travellers 59 years or under and up to six children who live with them and are under age 21 (or 25 if they’re full-time students).
Or are you taking trips around Canada? Manulife cuts your cost of insurance in half for that.
Here’s an extra special cost-saving tip for you: if you buy a short multi-trip plan (4 days) and travel strictly in Canada, you are covered for the entire duration of your trip no matter how much longer it is than 4 days, up to the number of days allowed out of your province before you lose your provincial healthcare.
This is an extremely inexpensive way to make sure that all your emergency medical costs are taken care of should the unexpected happen.
Check out mobile-friendly and instant quotes
Can you book travel insurance at the last minute? In most cases, you can still buy last-minute emergency medical travel insurance right up until the day you leave. So, even if it’s departure day and you’re not insured, it’s not too late to get coverage.
But insurers have different rules for how late you can book based on the kind of coverage you want. Need trip cancellation coverage? You had better buy it as soon as you book your trip.
When is it too late to buy travel insurance? You may have a problem if you’re already abroad. It’s by no means impossible – but you need to speak with a specialist for help (like SBIS).
And don’t worry about lengthy paperwork, you can get instant quotes online. But remember to compare before you commit.
And after you’ve got your insurance, check out if your travel insurer offers an app to make managing your travel insurance effortless.
With SBIS, you can take as much time as you need
Want to make sure you get the right coverage? Don’t hesitate to call us at SBIS or ask questions online. We are friendly experts who take your call and help you figure out what kind of travel insurance plan would best suit your needs and other vital details you should know about your plan. Do you have any questions? We take the time to answer them for you.
The best way to use our free quote service – is to use our experience and advice. We work with excellent travel insurance providers so you can choose from a great variety of plans. We can help you through the application and purchase right over the phone if you don’t want to go online, and we can even help after you’ve already purchased a plan to make any changes that need to be made. Call us! Monday to Friday 8:45 a.m. – 4:45 p.m. Eastern Time at 1-800-667-0429 or 416-601-0429.
