Top 10 Travel Insurance Tips
The farther the temperature drops, the more Canadians start planning a trip. And those plans can be as simple as an all-inclusive to a detailed personalized circle tour. What most people don’t want to think about when booking their vacation is accidents, illness, missed flights, canceled tours, emergency evacuations and so-on. But leave all of that up to your insurance advisor – all you need to worry about is what time to hit the beach everyday!
Let’s face it, travel insurance can seem complicated. Whether you are heading to the Bahamas or British Columbia, ask your insurance provider what types of coverage are best suited for you.
Here are a few simple things you can do to prepare for your departure – the rest is worry free:
1. Don’t get sick.
Planning a trip takes time and the stress is in the details. Prepare everything well in advance to avoid anxiety which can lead to illness.
2. Check you prescriptions.
Make sure that you have enough of your medication for the duration of your trip. Have any of your medications changed since you filled out the Medical Questionnaire for travel insurance? It is important to report any changes to your medication or your health before you travel.
3. Travel Insurance Wallet Card
An easy tip for travel is to keep your emergency contact numbers, including your travel insurance card in your wallet.
4. Keep those receipts.
Having a cappuccino and croissant in Old Quebec City? Keep the receipts. It can be used to prove location. In fact, keep all of your travel receipts as you may need them for a claim.
5. Share your information with your travel companions.
In an emergency, your travel companions can contact your family and insurance company, allowing you to focus on your situation.
6. Store it on your cell phone.
Add your contacts and insurance info to your cell phone – it will be at the ready.
7. Change of plans?
If there is any change to your itinerary, or if you have missed a flight, notify your insurance provider. Your advisor will be able to accurately detail your coverage.
8. Phone immediately for a claim.
In the case of a claim, the earlier things get started, the better. In fact, waiting to start the claim could limit the benefits.
9. Report even non-medical claims.
Trip cancellation, lost luggage, don’t wait until you return to report these claims.
10. Buy your travel insurance well before you leave.
Give yourself the time you need to fully consider and understand your insurance needs.
Everyone deserves a great holiday – and the best travel insurance can bring you peace of mind while you are away. Call McDougall Insurance & Financial at 1-800-361-0941 to ask your insurance advisor what you need to be fully covered.
Source: RSA Insurance