Category Archives for Travel Insurance Basics

Understanding Emergency Medical Travel Insurance Claim Process

What happens if you are away on vacation and you have a heart attack, a car accident or a medical episode that takes you to the hospital? DO YOU KNOW THE CORRECT STEPS TO MAKING A CLAIM FOR YOUR EXPENSES WITH YOUR INSURANCE PROVIDER?


  • Know your emergency medical assistance phone number. You should be able to phone toll-free or make a collect call.
  • IF POSSIBLE contact the emergency medical assistance before seeking treatment. If you are unable to do so, have someone else make the phone call for you. Some policies have a penalty for failing to contact them within a set period of time unless it was unavoidable.
  • The travel insurance company will work with the medical facility to help get you the emergency treatment you need, even if that means moving you to another medical facility that can provide the right care for you. It may be that you are stable enough to travel so you may be brought back home to a local hospital by air ambulance. Let them do the work. Let them guide you, not you guide them.

You all know that travelling without emergency medical travel insurance is NEVER a good idea. It could cost you thousands of dollars if an emergency occurs. But when you need to use your insurance, do you know the steps to take in making a claim? It is extremely important to know these steps…

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Understanding Travel Insurance: Why Do I Need It?

Whether you are travelling for business, visiting family, or just taking a vacation, there is a lot to consider and keep track of, especially when you are going out of the country. It is important that you are prepared for every situation that may arise. One of the best ways to be prepared is by protecting yourself with the right travel insurance.  If you are traveling to other provinces within Canada, consider purchasing travel insurance specifically designed for that purpose, which will be at a much lower cost than out of country travel insurance. When you are traveling out of country, even for one day, be prepared and have your emergency medical travel insurance in place.

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7 Benefits of a Multi-Trip Annual Travel Insurance

Do you travel to another country or another province more than once a year? If you do, a Multi-Trip Annual Emergency Medical Travel Insurance plan may be right for you. How often you travel and how many days at a time you travel has a big impact on the costs you will pay for your travel insurance. If you travel two or more times a year it is most likely that purchasing a Multi-Trip Annual Emergency Medical insurance plan will cost less than purchasing multiple single trip insurance plans, which will result in saving you money as well as being more convenient.

Benefits of a Multi-Trip Annual Plan:

  1. Convenience
  2. Flexibility
  3. Save Money
  4. Save Time
  5. Family Plans
  6. Trip Cancellation & Interruption Insurance
  7. Sports Coverage 


  1. Credit Card and Health Insurance Travel Plans
  2. Travel Insurance Company verses Travel Insurance Broker

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Cannabis and Travel Insurance

Cannabis and Canadian Travel Insurance?

What does this mean for Canadian Travelers?

  • Canada’s border rules have not changed because of the Cannabis Act.
  • Taking cannabis or any product containing cannabis into Canada or outside of Canada remains illegal. As a result this could result in serious criminal penalties for you in Canada and abroad. This will apply even when travelling to or from places where cannabis is now legal.
  • Bringing cannabis used for medical purposes across the Canada/US border will also remain illegal.

The Government of Canada recommend downloading Don’t travel internationally with cannabis. You can also get copies by ordering online.

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Travel Insurance and Hurricane Season

Firstly, regardless of whether it is hurricane season or not, check the Canadian Government travel advisories before you travel. You can get the advisories at

Below are the levels of risk provided by the Canadian Government that you will want to be aware of…

The two highest risk levels “avoid non-essential travel” and “avoid all travel” may have implications on your travel insurance coverage.

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Understanding Travel Insurance: Emergency Medical Insurance

Here is the scenario:  You have purchased your emergency medical travel insurance for your trip, or you already have it through your credit card or health plan. You don’t expect to need it so you put it to the back of your mind and probably don’t think about it again. However, CONSIDER BEING PREPARED for all eventualities BEFORE YOU EVEN TRAVEL…IT IS VERY IMPORTANT TO FOLLOW THE STEPS LISTED BELOW:

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Understanding Travel Insurance: Know What You Are Getting

Have you ever asked yourself what travel insurance is? Do you really know what your travel insurance covers and why it is so very important to have travel insurance? Do you actually know what your insurance coverage provides and why it is important to have when travelling abroad or even within the other provinces of Canada.

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