Travel Insurance

• This insurance covers the traveller for any out of province/out of country medical emergency while travelling. 

• This can be purchased as a stand alone emergency medical benefit, or as a package which can include trip cancellation and interruption coverage as well as baggage loss protection.

• The benefits of a travel insurance policy purchased directly through an insurance company that deals with travel insurance is that it tends to be much more comprehensive than the travel insurance benefits offered by credit card merchants. The credit card version of travel insurance is a cookie cutter product which offers a pre-set package with features such as length of trip being limited to 8 days. In addition, the rules on pre-existing conditions and stability period might be extremely strict and limiting compared to other stand alone travel insurance carriers.

• The purchaser should keep in mind that all travel products have very specific rules about pre-existing medical conditions and the stability period required prior to travelling. 

• Failure to disclose any medical condition can result in a claim being contested and denied.