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Published on September 4th, 2012 | by Jordan

Emergency Medical vs. Comprehensive Travel Insurance

You work hard, so you deserve a vacation free of anxiety, stress and worry. It’s not often that Canadians get to leave their lives behind in pursuit of sunny beaches and new adventures, so why wouldn’t you do everything in your power to make absolute certain your trip goes smoothly? For most, travel insurance is an absolute must. Depending on your plan, it can help protect you from unforeseen medical expenses, trip cancellation, baggage and even document loss. But which policy is right for you? Whether you’re looking for comprehensive care that includes medical and non-medical coverage, or just protection against health-related hiccups, travel insurance is an affordable way to keep your trip on track.

Emergency Medical Plans (Medical Only) 

An unexpected illness or injury while you’re travelling can turn the trip of your Emergency Medical Insurancedreams into a financial nightmare. Emergency medical insurance can help protect you from the financial strains that come with unexpected medical expenses incurred when travelling abroad. Emergency medical and dental expenses and the costs that surround them (transporting family and children, returning a vehicle to your home country, hospital allowances and more) can be greatly reduced and in some cases completely covered by purchasing this inexpensive coverage. If travelling outside the country, your province or territory of residence, the financial implications of an unexpected illness or injury could be more substantial than you think. Be sure to protect yourself, just in case.

Vacation Package Plans (Medical and Non-Medical)

Baggage or personal property could be lost, travel documents could go missing or a medical emergency could happen without warning; these events don’t have to spoil your vacation or cause you to incur a large, out of pocket expense. Vacation package plans combine the emergency medical coverage above, with protection against common non-medical emergencies. Many providers offer protection against trip cancellation & interruption, giving travellers added peace-of-mind when it comes to their belongings and itinerary. For complete, comprehensive coverage, it’s suggested that travellers purchase a vacation package plan to ensure no situation comes between them and the getaway they’ve spent so many months looking forward to.

Another question to be mindful of when shopping for travel insurance in Canada is the amount of trips you take per year. If you travel more than once, it might be worthwhile to consider an annual plan that covers you for multiple trips; daily plans are generally for those travelling just once a year. But whether you’re taking a day trip across the border, a trip out west or an extended vacation overseas, travel and medical insurance is the best way to protect yourself before you go.

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