<figure class="image"><img src="https://api.myinsurancebroker.com/uploads/pexels_energepiccom_2988232_8e112cd0d0.jpg" alt=""></figure><p>So, you've got a credit card that comes with a nifty little extra – complimentary travel insurance. It's like an unexpected bonus you didn't even know you had. The idea of ditching the hassle of purchasing travel insurance might be tempting. After all, the whole point of having insurance is to cover your back when life throws you a curveball. But here's the real question: should you still ponder over travel insurance when your credit card is already playing the role of your protector?</p><p>The answer isn't a one-size-fits-all deal; it's more like a tailored suit – it depends on you, your circumstances, and the adventure you're embarking on. In this article, we're going to break down the factors to help you make an informed decision that suits your style.</p><figure class="image"><img src="https://api.myinsurancebroker.com/uploads/Quote2_383c1dfd67.png" alt=""></figure><p><strong>Travel Insurance: What's in the Grab Bag</strong></p><p>At its core, travel insurance is like your safety net for a trip. You pay a relatively small amount (compared to the whole shebang you're spending on your adventure) to secure a policy that can swoop in and save the day when unexpected hiccups mess with your travel plans. It's not a one-size-fits-all deal; it's more like a buffet of options. You've got your standard, all-inclusive insurance that covers a wide range of potential issues.</p><p>But hold on, there's more to this buffet. You can also pick and choose, like going à la carte. Want just medical protection for international travel? You got it. Need specific coverage tailored to your unique needs? No problem. It's important to know that most travel insurance policies typically draw the line at pre-existing medical conditions. However, some of them provide a way to lift that restriction if you meet certain conditions. It usually means getting the policy right after you make the first non-refundable payment and being fit as a fiddle when you hit the "purchase" button. Plus, some insurers may want you to cover your entire prepaid, non-refundable trip cost to qualify for specific benefits.</p><p>Now, let's talk exclusions. Adventure junkie planning to dive headfirst into skydiving or skiing off the beaten path? Read the fine print, you might be excluded from most policies, when injuries are incurred during extreme activities like these.</p><p><strong>Credit Card Travel Protections</strong></p><p>Now, let's talk about your credit card travel protection. Not all credit cards offer travel protection, but many top-tier travel rewards cards come with a package deal of safeguards. We're talking about perks like:</p><ul><li>Trip Delay Reimbursement: For those moments when your flight plays hard to get.</li><li>Baggage Delay Reimbursement: When your luggage decides to take an extended vacation.</li><li>Trip Cancellation and Interruption Insurance: When life throws you a curveball and you need to change your plans.</li><li>Travel Accident and Emergency Evacuation Insurance: Your backup plan for those unexpected hiccups.</li></ul><p>It's important to note that some of these benefits might require you to enroll, and almost all of them involve a formal claims process, with no guarantee of reimbursement.</p><p><strong>Travel Insurance for An Extra Layer of Protection</strong></p><p>Even if you have a credit card that provides travel protection, there are situations where it still makes sense to consider an extra layer of protection. Here are some scenarios and types of trips for which purchasing travel insurance might be advisable:</p><ol><li><strong>No Credit Card Safety Net</strong>: Not all credit cards are created equal. If yours is on the stingy side when it comes to travel protections or doesn't offer much in that department, it's time to think about an insurance backup.</li><li><strong>Friends, Not Family</strong>: Credit card travel protections usually extend to family members, but they might not cover your friends, colleagues, or your second cousin thrice removed. If your travel squad is a mixed bag, your card's coverage might not cut it.</li><li><strong>Adventure Awaits</strong>: If you plan to dive headfirst into an adrenaline-fueled adventure like base jumping or paragliding, many insurance policies might not have your back. But don't fret; there are policies specially crafted for the thrill-seekers.</li><li><strong>Pre-existing Conditions?:</strong> Credit card trip cancellation benefits often wave the red flag when it comes to pre-existing conditions. If you want the green light for pre-existing conditions, travel insurance might be your golden ticket.</li><li><strong>Non-Medical Evacuation?:</strong> Need to make a quick exit for non-medical reasons? It's time to consider travel insurance, just in case your credit card doesn't have your back for every scenario.</li><li><strong>"Cancel for Any Reason":</strong> If your travel plans are as unpredictable as a box of chocolates, and you're worried your credit card won't have your back for non-covered reasons, it might be time to consider "cancel for any reason" trip insurance.</li><li><strong>Peace of Mind</strong>: Some folks just love the comfort of having travel insurance. Especially in times when trust in credit card insurance providers is shakier than a coin-operated massage chair. If you're not convinced that your credit card and health insurance are a match made in heaven, travel insurance can be your security blanket.</li></ol><p><strong>When to Stick with Credit Card Protections</strong></p><p>If you don't fall into the categories mentioned above and you have one of the best credit cards offering travel insurance, you may find that credit card protections are adequate for some or all of your trips. However, it's crucial to rely on credit card protections only if you also have health insurance that provides sufficient coverage at your travel destination.</p><p>Here are some reasons to consider relying on credit card protections instead of purchasing independent travel insurance:</p><ul><li><strong>Health Insurance at the Ready</strong>: If you've got personal health insurance that's got your back at your travel destination, even if you stray from the network, you're in good shape.</li><li><strong>Credit Card on Your Side</strong>: If you use a credit card with built-in travel insurance to book your trip, your bases are pretty well covered.</li><li><strong>Medical Evacuation Covered</strong>: Your credit card's got your back for medical evacuations during your travels.</li><li><strong>Flexible Plans</strong>: Your travel plans are as flexible as a rubber band; you can cancel or change them without breaking the bank.</li><li><strong>Last-Minute Wanderlust</strong>: You're a last-minute planner who books travel on a whim and loves to keep your options open.</li><li><strong>Emergency Fund Stash</strong>: You've got a rainy-day fund that can come to the rescue for unforeseen expenses.</li><li><strong>Miles to the Rescue</strong>: You've got airline miles or flexible points you can use to escape or head back home in a pinch.</li><li><strong>Risk-Averse Traveler</strong>: You play it safe and steer clear of high-risk activities and destinations.</li></ul><p><strong>Bottom Line</strong></p><p>Deciding whether to purchase travel insurance is a personal and complex decision. If you have doubts about your ability to cover potential costs in the event of an unexpected issue, or if you're unsure whether your credit card and health insurance will provide adequate coverage, it's advisable to invest in travel insurance. Ultimately, if you're willing and able to handle such costs or feel confident that your credit card protections and health insurance are sufficient, you might choose not to purchase travel insurance. However, for added security, especially in uncertain times, obtaining a travel insurance policy after making the initial payment for your trip is a prudent step. Feel free to contact a MIB expert for further guidance or obtain a quote through the MIB travel insurance quoter. Travel wisely and ensure your peace of mind.</p>

Is Travel Insurance Necessary When Your Credit Card Offers Complimentary Travel Protection?

<figure class="image"><img src="https://api.myinsurancebroker.com/uploads/pexels_porapak_apichodilok_346885_f86077f519.jpg" alt=""></figure><p>Think of travel insurance as your umbrella on a gloomy day, always there to shield you from those unexpected financial rain showers. Choosing the right travel insurance is just as important as selecting the perfect umbrella. Our experts at MIB are here to share five friendly and valuable tips to help our fellow Canadians make the best decision and ensure they're well-prepared for unforeseen expenses while exploring the world.</p><figure class="image"><img src="https://api.myinsurancebroker.com/uploads/Quote_8ee4d6e982.png" alt=""></figure><ol><li><strong>Timing Is Everything</strong>: Our first tip may seem obvious, but it's easy to overlook – make sure to secure your travel insurance when you book your trip. Remember, travel insurance isn't just for when you're on the go; in fact, around 30% of claims come from incidents that happen before you even leave home. Illness or injury can strike at any time, so it's a wise move to have coverage from the moment you book your trip until your return. Waiting until a few days before your departure might leave you exposed to potential risks.</li><li><strong>Government Actions:</strong> The COVID-19 pandemic has made us acutely aware of how government decisions can impact our travel plans. The pandemic itself didn't trigger claims; it was the government's decision to restrict air travel that led to them. Unfortunately, many policies didn't cover these scenarios. Currently, some destinations are requiring travellers to have insurance before boarding their flights. Make sure your policy takes into account government actions that might disrupt your travel plans.</li><li><strong>Full-Cost Coverage</strong>: Underestimating the total cost of your trip can be a costly mistake. The pandemic taught us this lesson when some people bought policies that didn't match the actual cost of their vacations. If your flights get cancelled or you need to cancel your trip, having insufficient coverage can result in significant financial losses. Always align the sum insured in your policy with the total cost of your holiday.</li><li><strong>Personal Liability</strong>: Personal liability coverage is essential, especially if you're into activities that might pose accidental harm to others, like skiing or driving. Skimping on this coverage can be a costly oversight, so aim for the maximum limit of indemnity.</li><li><strong>Lost Bags</strong>: Coping with lost luggage can be a real inconvenience, but your insurance can come to the rescue. Keep meticulous records of your belongings, and if the airline is responsible for the loss, make sure to file a report promptly. Typically, the airline provides partial compensation, with your insurance covering the remainder.</li></ol><p><strong>Bottom Line</strong></p><p>When it comes to travel insurance, preparedness is your best friend. Avoid last-minute decisions, and never compromise on quality. Keep in mind that the price you pay for your travel insurance often corresponds to the level of coverage you receive. The cheapest policies might leave you underinsured if unforeseen circumstances arise. While it may involve some administrative work, securing the right policy has never been more crucial. Read the fine print, ask questions, and ensure you're safeguarded against all possible scenarios. The right policy ensures you stay financially secure, even when unexpected expenses rain down during your travels. Travel wisely and stay protected. <a href="https://myinsurancebroker.com/about-us/contact-us">Reach out to a MIB insurance expert today</a> or obtain a quote from the <a href="https://myinsurancebroker.oriontravelinsurance.ca/">MIB travel insurance quoter</a> now.</p>

5 Tips for Choosing the Right Travel Insurance for Canadians

<p>Depending on your <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/">travel insurance
            policy</a> your baggage benefit compensates you for the delay, loss, or damage of your baggage during your
        trip. The maximum amount payable is indicated on your <a
            href="https://www.myinsurancebroker.com/insurance/">insurance</a> certificate and covers the entire duration
        of your trip and each applicable person. You may also be compensated for expenses incurred, if your checked
        baggage is delayed for over 12 hours while en route or prior to the return of your trip.</p>
    <h2>Passport or driver’s licence lost or stolen?</h2>
    <p>Not only will we aid in providing general assistance to rectify the situation, we also cover the reimbursement of
        expenses to replace valid travel documents including your passport, <a
            href="https://www.myinsurancebroker.com/insurance/car-insurance/resources/driver-licensing-in-ontario">driver’s
            licence</a> and birth certificate or visa in the event that they are lost or stolen during your trip.</p>
    <figure class="image"><img
            src="https://api.myinsurancebroker.com/uploads/pexels_spencer_davis_4353813_195a0ac010.jpg" alt=""></figure>
    <h2>Example coverage limitations for Baggage Benefit, Damage or Delay &amp; Personal Effects Insurance</h2>
    <figure class="table">
        <table>
<tbody><tr>
<td>Insurance Company</td>
<td>Insurance Offered</td>
<td>Coverage Amounts in CAD$</td>
</tr>
<tr>
<td>Manulife</td>
<td>Baggage Loss or Damage</td>
<td>Up to $1,000 per trip. For Multi-Trip All Inclusive Plan,
up to $3,000 per policy year</td>
</tr>
<tr>
<td>Baggage Delay</td>
<td>Up to $500 per trip. For Multi-Trip All Inclusive Plan,
up to $1,500 per policy year</td>
</tr>
<tr>
<td>Allianz</td>
<td>Baggage Loss or Damage</td>
<td>Up to $1,000</td>
</tr>
<tr>
<td>Baggage Delay</td>
<td>Up to $200</td>
</tr>
<tr>
<td>Orion</td>
<td>Baggage Loss or Damage</td>
<td>Up to $1,500 per trip. For Multi-Trip All Inclusive Plan,
up to $3,000 per policy year</td>
</tr>
<tr>
<td>Baggage Delay</td>
<td>Up to $500 if delayed 10 hrs. or more</td>
</tr>
<tr>
<td>Passport Documents</td>
<td>Up to $250</td>
</tr>
<tr>
<td>Blue Cross</td>
<td>Baggage Loss or Damage</td>
<td>Up to $1,500</td>
</tr>
<tr>
<td>Baggage Delay</td>
<td>Up to $500 if delayed 4 hrs. or more</td>
</tr>
<tr>
<td>Passport Documents</td>
<td>Up to $150</td>
</tr>
<tr>
<td>CanAm</td>
<td>Baggage Loss or Damage</td>
<td>Up to $1,000 per trip. For Multi-Trip All Inclusive Plan,
up to $3,000 per policy year</td>
</tr>
<tr>
<td>Baggage Delay</td>
<td>Up to $500 per trip. For Multi-Trip All Inclusive Plan,
up to $1,500 per policy year</td>
</tr>
</tbody></table>
    </figure>
    <p>Some <a href="https://www.myinsurancebroker.com/about-us/insurer-partners">insurance companies</a> will also
        allow for the addition of an increased per item limit. For example, if you travel with an expensive gift(s) or
        other item(s) you may have purchase additional coverage for $500-$1,000. You may specify that you are travelling
        with sporting equipment which may have a limit of up to $2,000. And, similarly, if travelling with computer
        equipment such as a&nbsp;</p>
    <p>tablet or laptop which may have a limit of up to $2,000. Each item or item sets must be specified in addition to
        the standard baggage benefit, damage or delay &amp; personal effects insurance.</p>
    <figure class="image"><img
            src="https://www.myinsurancebroker.com/resources/img/modular-components/travel-insurance/travel-insurance-lost-or-stolen-baggage.jpg"
            alt="Supplementary health insurance fills the gaps in your government health coverage and offers essential services">
    </figure>
    <p>Frequent traveller? Make multiple trips not exceeding 17 days to anywhere in the world.</p>
    <h2>Why Choose My Insurance Broker for your Travel Insurance?</h2>
    <ul>
        <li>We offer the <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/">best travel insurance
                rates in Ontario</a> for your out-of-province or overseas travel!</li>
        <li><a href="https://www.myinsurancebroker.com/">My Insurance Broker</a> is your one-stop shop for all your
            travel insurance needs!</li>
        <li>Partnerships with the most internationally acclaimed travel insurance providers with over 70 years’
            experience</li>
        <li>We provide assistance prior, during and after your trip</li>
        <li>All-inclusive travel insurance package options including Emergency Medical Care, Trip Cancellation or
            Interruption, Baggage Benefit, Medical Follow-Up in Canada and more!</li>
        <li>We offer simple and affordable solutions for all your travel insurance needs. Get cheap travel insurance
            from Canada’s leading insurance providers!</li>
    </ul>

What is Baggage Benefit, Damage or Delay & Personal Effects Insurance and what does it cover?

Baggage & Personal Effects Travel Insurance 

<p>Trip Cancellation/Interruption Insurance compensates you for financial losses arising from the cancellation, interruption or delay of your trip due to a covered reason and provides added benefits for stolen or delayed baggage. In such unavoidable situations, beyond your control, you want to ensure that you are covered!</p><p>We also provide coverage for your immediate or extended family members or a travelling companion or business associate, if they are also impacted. For a small fee, you can add trip cancellation or interruption insurance to the <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/emergency-medical-insurance/">emergency travel</a> portion of your <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/">travel health insurance</a> or purchase it as a separate benefit.</p><h2>What does my trip cancellation/trip interruption insurance cover?</h2><p>&nbsp;</p><ul><li>Reimbursement for the non-refundable prepaid portion of your trip in addition to the unused portion of any travel arrangements</li><li>Trip Interruption and Delay benefits if you are unable to complete your trip as scheduled</li><li>Baggage coverage in the event that your baggage is damaged, lost, stolen or delayed</li></ul><h2>How to Purchase Trip Interruption Insurance?</h2><ol><li>Provide Your Trip DetailsProvide Your Trip Details by filling the simple forms</li></ol><h3>Provide Your Trip Details</h3><p>Simply fill the forms to begin comparing your travel insurance quotes.</p><ol><li>Get Expert AdviceGet expert advice on Misssissauga car insurance</li></ol><h3>Add Trip Cancellation/Interruption Option</h3><p>Make sure you're covered. Choose the trip cancellation/trip interruption option, or a travel insurance package that includes trip cancellation insurance such as an all-inclusive option.</p><ol><li>Save MoneySave money on car insurance Mississauga</li></ol><h3>Save Money and Buy Now</h3><p>Select the best option for your circumstances and finish the payment options online or contact one of our broker's to ensure you have all available discounts.</p><figure class="image"><img src="https://www.myinsurancebroker.com/resources/img/modular-components/travel-insurance/travel-insurance-trip-cancellation.jpg" alt="Supplementary health insurance fills the gaps in your government health coverage and offers essential services"></figure><p>Frequent traveller? Make multiple trips not exceeding 17 days to anywhere in the world.</p><h2>Why Choose My Insurance Broker for your trip?</h2><ul><li><a href="https://www.myinsurancebroker.com/">My Insurance Broker</a> is your symbol of trust! We have partnered with the most internationally acclaimed insurance providers (with over 70 years’ experience) to offer customized solutions for all your travel insurance needs.</li><li>We offer the best travel insurance rates in Ontario!</li><li>We provide assistance prior, during and after your trip</li><li>We provide 24/7 emergency assistance services through our insurance providers</li><li>Need additional travel assistance? Not only do we cater to a range of travel insurance needs, we also offer specialized services such as assistance for theft or loss of documents or funds, and a translation service all available at no additional cost.</li><li>Travel insurance packages offering an unlimited number of trips at one affordable price, all family members included!</li><li>We offer simple and affordable solutions for all your travel insurance needs. Get cheap travel insurance from Canada’s leading insurance providers!</li><li>At My Insurance Broker we work for you! Not only will you get the individual attention you deserve, but our knowledgeable and highly trained insurance advisers will ensure that the intricate details of your insurance policy are thoroughly explained, dispelling any misunderstandings.</li></ul>

Why do I need Trip Cancellation/Trip Interruption Insurance?

Trip Cancellation Insurance

How to purchase Travel Insurance in a few simple steps

Travel Insurance Quotes

<p>Taking a short trip to Canada? Need to fulfill super visa requirements? Whether in Canada as a temporary foreign worker or international student, <a href="https://www.myinsurancebroker.com/">My Insurance Broker</a> has a <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/">travel insurance plan</a> just for you!</p><h2>Are you a permanent resident to Canada awaiting your government health coverage?</h2><p>If you are new to Canada or a returning resident to the province, it is advisable to get private health insurance while you wait for your government health coverage. The Ontario Health Insurance Plan could take up to 3 months to be processed. A trip to the hospital could cost up to $4,000 per day. The Canadian Life and Health Association recommends that you buy private health insurance for the three months that you are not covered by OHIP. Without your <a href="https://www.myinsurancebroker.com/insurance/health-insurance/">private health insurance</a>, you could run into many difficulties.</p><p>Travel health coverage is also available for temporary foreign workers, international students and to fulfill your super visa requirements. If you are a visitor to Canada, our <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/emergency-medical-insurance/">Emergency Medical Care Insurance</a> would provide you with substantial coverage in the event of a travel emergency.</p><figure class="image"><img src="https://api.myinsurancebroker.com/uploads/pexels_photo_8623335_845d2adcfc.jpeg" alt=""></figure><h2>What does my Emergency Medical Insurance for inbound travellers cover?</h2><ul><li>Three levels of protection: $50,000, $100,000 &amp; $150,000</li><li>Trips to other provinces and the United States included</li><li>Hospitalization, medical and paramedical expenses</li><li>Transportation expenses including the cost of local ambulance or air ambulance service, inter-hospital transfer and repatriation to province of residence</li><li>In the event of accidental death, repatriation of deceased</li><li>Emergency dental</li></ul><p>Frequent traveller? Make multiple trips not exceeding 17 days to anywhere in the world.</p><h2>We meet all your Super Visa requirements</h2><h3>Planning an extended trip to Canada to see your children and grandchildren?</h3><p>My Insurance Broker understands how important your family is to you, that’s why we want to take the worry out of your travel. We understand how hectic it can be to arrange your travel requirements and get all your paperwork done, that’s why My Insurance Broker has a travel medical plan with you in mind, to meet all your Super Visa requirements.</p><h2>Why purchase your Super Visa Canadian Medical Insurance from My Insurance Broker?</h2><ul><li>We meet all your Super Visa requirements for medical insurance</li><li>Trips to other provinces and the United States included</li><li>Emergency medical insurance of $100,000 in coverage</li><li>Hospitalization fees</li><li>Specialist services by a physiotherapist, chiropractor, osteopath, or podiatrist when deemed necessary and prescribed by the attending physician</li><li>We will compensate your accommodation and meals if your return is delayed due to a medical emergency</li><li>Dental Services included</li></ul><h2>Why Choose My Insurance Broker for your Super Visa Insurance?</h2><ul><li>My Insurance Broker is your symbol of trust! We have partnered with the most internationally acclaimed insurance providers (with over 70 years’ experience) to offer customized solutions for all your travel insurance needs.</li><li>We speak your language! We provide an array of travel insurance solutions all delivered in your language</li><li>We provide assistance prior, during and after your trip</li><li>Trips to other provinces and the United States included</li><li>We provide 24/7 emergency assistance services through our insurance providers</li></ul><h2>Travel Insurance for International Students</h2><p>As an international student you want to know that you have the protection you need in the event of a medical emergency. Away from family and friends, your inbound travel insurance will be one less thing to worry about! My Insurance Broker offers Emergency Medical Care Coverage for international students, an all-inclusive travel insurance package and trip cancellation/interruption insurance.</p><h2>What does my Emergency Medical Insurance for international students cover?</h2><ul><li>Three levels of protection: $50,000, $100,000 &amp; $150,000</li><li>Trips to other provinces and the United States included</li><li>Hospitalization, medical and paramedical expenses</li><li>Transportation expenses including the cost of local ambulance or air ambulance service, inter-hospital transfer and repatriation to province of residence</li><li>In the event of accidental death, repatriation of deceased</li><li>Emergency dental</li></ul><h2>Why Choose My Insurance Broker for your Inbound Travel Insurance?</h2><ul><li>My Insurance Broker is your symbol of trust! We have partnered with the most internationally acclaimed insurance providers (with over 70 years’ experience) to offer customized solutions for all your travel insurance needs.</li><li>We speak your language! Our brokers speak over 25 languages collectively.</li><li>We provide assistance prior, during and after your trip</li><li>Trips to other provinces and the United States included</li><li>We provide 24/7 Multilingual travel emergency assistance through our insurance partners</li><li>Discounts for student trips of 10 people or more</li></ul>

Buy Travel Insurance for Inbound Travellers to Canada

Travel Insurance for Visitors to Canada

<p>Emergency medical insurance is the core of most <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/">travel insurance packages</a>. In most cases it includes coverage for overseas hospitalization, medical and paramedical coverage, emergency dental expenses, medical repatriation, and medical follow-up in Canada benefits if required.</p><p>The Travel Health Insurance Association recommends that whether you are travelling out of province or overseas, it is highly recommended to get emergency medical travel insurance before you travel. Actual medical costs while travelling overseas could amount to hundreds of thousands of dollars and could leave you financially depleted.</p><figure class="image"><img src="https://api.myinsurancebroker.com/uploads/pexels_thirdman_5327584_392caf9f42.jpg" alt=""></figure><p>Emergency medical travel insurance is available for single and multi-trip plans, as well as for <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/snowbird-travel-insurance/">snowbirds</a> and <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/inbound-travellers-to-canada/">inbound travellers to Canada</a>. At My Insurance Broker, we work for you! Get the optimum protection you need with a travel insurance package that will give you maximum protection when you need it the most!</p><p>Our travel health insurance has you in mind. Rest assured that in the event of a medical emergency while travelling overseas or out of province, My Insurance Broker has got you covered! At competitive rates, we offer the best <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/">travel insurance</a> rates in Ontario and the most comprehensive coverage options.</p><p>Frequent traveller? Make multiple trips not exceeding 17 days to anywhere in the world.</p><h2>Why do I need emergency medical travel insurance?</h2><p>Emergency Medical travel insurance policies are designed to compensate you for certain unexpected expenses which may arise while travelling interprovincially or overseas and while your provincial health coverage does cover a portion of these costs, it only covers a minute fraction.</p><p>Supplementary travel insurance is designed to fill the gaps of your provincial health coverage and protects you in the event of a medical emergency, <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/trip-cancellation-insurance/">trip cancellation or interruption</a>, and provides <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/baggage-and-personal-effects-insurance/">baggage benefits</a>, in addition to accidental death or dismemberment insurance.</p><h3>Meet Joseph - Joseph did not buy emergency medical insurance</h3><p>Joseph went home on vacation to visit family and friends. While there, he was mobbed and beaten. He was later taken to hospital and subsequently had to extend his trip, as he was unable to travel. He did not purchase travel insurance and his family eventually had to request help from the public. The local community was compassionate and helped fund Joseph's medical expenses and trip back home.</p><p>While Joseph was fortunate and his life spared, others may not be so lucky and may eventually succumb to their injuries, leaving family members and friends in a destitute position, trying to secure funds for repatriation and burial expenses.</p><h2>What does my emergency medical travel insurance cover?</h2><p>A travel health emergency medical insurance package from My Insurance Broker covers hospitalization, medical and paramedical expenses in excess of the coverage provided by your provincial health insurance; transportation expenses including baggage return and a subsistence allowance if you have to delay your trip due to illness or bodily injury.</p><h3>Hospitalization, medical and paramedical expenses</h3><ul><li>Up to $10,000,000 for emergency medical care per trip</li><li>Hospitalization and Physicians’ fees in excess of your government health coverage</li><li>Professional services by a physiotherapist, chiropractor, osteopath or podiatrist when prescribed, as part of your emergency medical treatment</li><li>Extended health care- prescribed medication, x-ray and laboratory fees, local ambulance services, appliances and related services such as for wheelchair rental, crutches and brace</li><li>Emergency dental treatment in the event of an accident</li><li>Emergency repatriation by air ambulance or commercial flight with a medical escort</li><li>Bonus Offer: No medical questionnaire required under 60 (dependent on the carrier)</li></ul><h3>Transportation Expenses</h3><p>What if you were seriously injured and needed to return to your province of residence or transfer to another health facility to receive adequate medical attention? Not to worry, your emergency medical health insurance coverage also covers the cost of non-medical expenses including the cost of local ambulance or air ambulance service to the nearest accredited medical facility, including inter-hospital transfer when deemed necessary.</p><h3>Other benefits include:</h3><ul><li>Repatriation expenses to your province of residence</li><li>Transportation expenses of your relatives if you are hospitalized</li><li>Other miscellaneous expenses including vehicle return, baggage return, pet return and in the unfortunate event of accidental death, return of the deceased to the departure point in the province of residence</li></ul><h3>Subsistence allowance</h3><p>In the unfortunate event that you, a family member or travelling companion fall ill or suffer a bodily injury and your trip has to be delayed, we will pay for the cost of your accommodation or meals in a commercial establishment.</p><h4>Want added coverage in addition to emergency medical but not quite sure if you’ll need it?</h4><p>Not to worry! Our All-Inclusive Travel Health Insurance will give you the protection you need at the best price possible!</p><h3>Will my emergency medical travel insurance policy cover pre-existing medical conditions?</h3><p>Some emergency medical travel insurance policies will not cover pre-existing medical conditions. Often medical stability must be demonstrated for a certain time period before departure. Conditions may also apply for the emergency medical care benefit. Speak to a broker about the specific coverage restrictions of your policy to ensure you are covered with certainty. Beware other travel insurance companies, as they may only provide coverage for pre-existing medical conditions on a limited basis. Again, speak with a broker and explore your options. Reach us at <a href="tel:18554825001">1-855-482-5001</a>.</p><h3>Is there anything else that my emergency medical travel insurance policy will not cover?</h3><p>Yes. There are a number of activities, including: sky diving, scuba diving, hang-gliding and mountain climbing; regions or cities where <a href="https://travel.gc.ca/travelling/advisories">travel restrictions</a> have been enacted by the Canadian government and stipulations regarding pregnancy in the last trimester (<a href="https://www.fsco.gov.on.ca/en/insurance/brochures/Pages/brochure_shopfortravel.aspx">Financial Services Commission of Ontario (FSCO), 2017</a>), in addition to certain pre-existing medical conditions that exist before your departure.</p>

What is emergency medical travel insurance?

Emergency Medical Travel Insurance

<figure class="image"><img src="https://www.myinsurancebroker.com/resources/img/modular-components/travel-insurance/pexels-photo-1586481.jpeg" alt="Supplementary health insurance fills the gaps in your government health coverage and offers essential services"></figure><p>Frequent traveller? Make multiple trips not exceeding 17 days to anywhere in the world.</p><p>Heading south this fall or winter season? Selecting the best <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/">travel insurance</a> for Canadian seniors can be daunting. No need to worry, as travel insurance experts, we are here to assist you.</p><figure class="table"><table><tbody><tr><td>Destination&nbsp;&nbsp;—</td><td>Apache Junction, Arizona</td></tr><tr><td>Ages&nbsp;&nbsp;—</td><td>55 and 58</td></tr><tr><td>Duration&nbsp;&nbsp;—</td><td>180 Days</td></tr></tbody></table></figure><figure class="table"><table><tbody><tr><td>Destination&nbsp;&nbsp;—</td><td>Cancun, Mexico</td></tr><tr><td>Ages&nbsp;&nbsp;—</td><td>50 and 53</td></tr><tr><td>Duration&nbsp;&nbsp;—</td><td>60 Days</td></tr></tbody></table></figure><figure class="table"><table><tbody><tr><td>Destination&nbsp;&nbsp;—</td><td>Nashville, Tennesse</td></tr><tr><td>Contact Us&nbsp;&nbsp;—</td><td>We'll find the best option to meet your needs.</td></tr></tbody></table></figure><p><a href="tel:18554825001">1 (855) 481-5001</a></p><p>We travel too, and as Canadians that also make annual migrations or pilgrimages south, we take great pride in offering Snowbird insurance solutions designed for Canadians. Each plan, whether purchased on a daily or annual basis provides you with access to 24/7 emergency assistance anywhere you travel.</p><p>Apache Junction, Arizona, Cancun, Mexico, or Nashville, Tennessee - all great choices for your winter getaway to warmer weather. Regardless your destination <a href="https://www.myinsurancebroker.com/">My Insurance Broker</a> has a snowbird solution for you.</p><h2>Why do I need Snowbird Travel Insurance?</h2><p>We know how important your winter getaway is. That’s why My Insurance Broker has devised a travel insurance plan just for you! Whether taking a trip down south or your yearly getaway to warmer climate, the travel insurance plan for snowbirds gives you the assurance that in case of a <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/emergency-medical-insurance/">medical emergency</a> you’ll be adequately covered.</p><p>While your provincial medical insurance does provide some coverage for emergency medical, it only covers a fraction of the exorbitant fees that you could be charged on a daily basis while abroad. Why risk taking out a second mortgage in the event that something goes wrong? Take the necessary precautions to safeguard yourself with an emergency medical care insurance plan from My Insurance Broker!</p><figure class="image"><img src="https://www.myinsurancebroker.com/resources/img/modular-components/travel-insurance/travel-insurance-snowbird-travellers.jpg" alt="Supplementary health insurance fills the gaps in your government health coverage and offers essential services"></figure><p>Frequent traveler? Make multiple trips not exceeding 17 days to anywhere in the world.</p><h2>What does my Snowbird Travel Insurance Cover?</h2><p>Whether you’re going on a single trip or multiple trips throughout the year, our snowbird travel insurance solutions are customized to suit your needs. Choose from a wide array of coverage options including <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/emergency-medical-insurance/">Emergency Medical Care Benefit</a>, Annual Medical and an All-inclusive Coverage option including emergency medical care, medical follow-up in Canada benefit, <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/trip-cancellation-insurance/">trip interruption or cancellation</a> and <a href="https://www.myinsurancebroker.com/insurance/travel-insurance/baggage-and-personal-effects-insurance/">baggage benefit</a> available on a single trip or multi-trip basis.</p><h2>Typical Snowbird Travel Insurance Coverage options</h2><figure class="table"><table><tbody><tr><th colspan="5">Example snowbird coverage options courtesy of Blue Cross</th></tr><tr><th>&nbsp;</th><th>Medical Only</th><th>Annual Medical</th><th>Package Plus</th><th>Annual Package Plus</th></tr><tr><th>Emergency medical care</th><th><strong>Yes</strong></th><th><strong>Yes</strong></th><th><strong>Yes</strong></th><th><strong>Yes</strong></th></tr><tr><th>Medical follow-up in Canada</th><th><strong>Yes</strong></th><th><strong>Yes</strong></th><th><strong>Yes</strong></th><th><strong>Yes</strong></th></tr><tr><th>Trip cancellation</th><th>&nbsp;</th><th>&nbsp;</th><th><strong>Yes</strong></th><th><strong>Yes</strong></th></tr><tr><th>Trip interruption</th><th>&nbsp;</th><th>&nbsp;</th><th><strong>Yes</strong></th><th><strong>Yes</strong></th></tr><tr><th>Baggage</th><th>&nbsp;</th><th>&nbsp;</th><th><strong>Yes</strong></th><th><strong>Yes</strong></th></tr></tbody></table></figure><h2>Travel Insurance Options for Seniors Over 75</h2><figure class="image"><img src="https://www.myinsurancebroker.com/resources/img/modular-components/travel-insurance/pexels-photo-734658.jpeg" alt="Travel Insurance Options For Seniors Over 75"></figure><p>What Travel Insurance Options Exists For Seniors Over 75</p><p>Snowbird insurance is the absolute best options for traveling seniors over the age of 75. And if you need additional medical attention when you return home, you’re covered.</p><p>As a snowbird you would be entitled to medical follow-up in Canada benefits as part of your emergency medical care. This includes:hospitalization and rehabilitation fees, home nursing care and transportation expenses. We will even compensate you for the rental of your medical devices!</p><h2>Why Choose My Insurance Broker for Snowbird insurance?</h2><ul><li>My Insurance Broker is your one-stop shop for everything related to travel insurance</li><li>Trips to the United States are covered</li><li>Direct billing with most medical providers</li><li>Some pre-existing medical conditions covered</li><li>24/7 travel assistance through our insurance partners in the event of an emergency</li></ul><h2>What determines the cost of my snowbird travel insurance?</h2><figure class="image"><img src="https://www.myinsurancebroker.com/resources/img/modular-components/travel-insurance/pexels-photo-1449049.jpeg" alt="What determines the cost of my snowbird travel insurance"></figure><p>What determines the cost of my snowbird travel insurance?</p><p>There are many factors that affect how much you will pay for proper coverage for your snowbird getaway and the largest contributors are:</p><h3>Age:</h3><p>As you age, the more you will pay for insurance in general. With snowbird travel insurance the same is true, but you may benefit with pricing resulting from falling within particular pricing ranges such as price ranges consisting of the ages 35-45 or 45-55.</p><h3>Claims deductibles:</h3><p>You can lower the initial price of your snowbird emergency medical insurance by adding a deductible in the event you need to make a claim. However, while adding a deductible may reduce the price you pay today, when you do place a claim you will have to pay the deductible to attain the remainder of the snowbird emergency medical insurance benefits included in your policy.</p><h3>Destination:</h3><p>Your vacation destination does not affect the cost of your insurance plan. However, factors like terrorism, health and weather-related concerns may affect the way and if your policy responds. To keep up to date on the <a href="https://travel.gc.ca/travelling/advisories">Government of Canada’s travel advisories</a> it is recommended to download the <a href="https://travel.gc.ca/mobile">Travel Smart App</a>.</p><h3>Policy features:</h3><p>The more features you need/want covered, the more you will pay. If you need additional coverage beyond the standard packages available through each of our insurance companies, we recommend speaking with one of our travel insurance experts to ensure you not only get the coverage you need, but also a price you can live with.</p><h3>Policy package:</h3><p>The type of snowbird policy you purchase will affect your premium. Depending on your trip duration and travel plans a single-trip policy may cost more than a multi-trip policy and vice versa. It’s recommended to quote your snowbird emergency medical insurance and compare single-trip and multi-trip prices.</p><h3>Pre-existing medical conditions:</h3><p>If you have a pre-existing medical condition it is extremely important that you mention it while filling any forms or while speaking with one of our broker’s. If you fail to mention a pre-existing condition and try to file a claim, you may find that the insurance company will not honor the contract.</p><p>Pre-existing medical conditions may increase the cost of travel insurance significantly. Estimates of the amount of increase are anywhere between 50% to greater that 1000%.</p><p>Although, some minor pre-existing medical conditions may not affect the premium of your snowbird policy but still need to be disclosed for the purposes of meeting any stability period requirements.</p><p>Stability periods are stipulated time periods included in your policy that you must demonstrate for a period that you are in a stable health condition. To be clear, for the purposes of travel insurance, snowbird packages included, “Stability” means <strong>no change</strong>, including deteriorations or improvements in your medical condition.</p><h3>Snowbirds and smoking:</h3><p>If you are a smoker, expect to pay an increased premium to account for the increased risk associated with this activity. As an estimate, the cost of travel insurance plans tend to be 15%-30% more expensive for snowbirds who smoke.</p><h3>Trip duration:</h3><p>Unsurprisingly, the longer you snowbird, aka, spend time outside of Canada, the more you will pay for travel insurance solutions. If you plan on journeying back to Canada one or more times during your vacation you should compare quotes for multi-trip packages, as they may be a less expensive option.</p><h2>Bon-Voyage &amp; Enjoy The Warmer Weather</h2><p>If you, or a fellow snowbird or three (more welcome too) are planning on travelling this fall or winter season and still have questions you want answered, please contact one of our snowbird travel insurance experts at <a href="tel:18554825001">1-855-482-5001</a>.</p>

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