Many types of travel insurance coverage, but which one do you need!

What types of travel insurance do you need?

Well, It depends on a couple of things, such as your destination, the duration and how you will get there.   For example, if you plan on traveling by air, Trip cancellation & Interruption coverage could be a good idea.  You might need to rebook or buy new tickets due to illness or weather.  This protection will help you get back most expenditure that would be otherwise non-refundable.

Here are the Top 5:  Travel Insurance Coverage

1.    Trip cancellation/interruption

2.    Travel emergency medical

3.    Major medical

4.    Emergency medical evacuation

5.    Accidental death/flight accident

Either you are travelling in or out Canada, packages are available to suit all travellers, no matter where you are going and how long.   Did you know their are protections available for as low as 15$.

On the spot quotes for  cheap medical travel insurance  are available to make you travel insurance shopping quick and easy.  Check what are all your options and what offers you the best protection available you need.  Talk to a Travel Insurance Specialist.

Happy Travelling...from #OptimalTravel !

What made your list for this trip?

Pack you Travel Insurance: 

Make sure it’s on your list!

Expect the unexpected!  No one wants to think that our travelling plans could change in a heartbeat. 

It’s likely, that you probably spend a lot of time, effort and money planning your next vacation, now you have to make sure that all aspects of it are covered. 

When should you need travel insurance?

Out of province:

Every time you leave your home province.  In Canada, most provinces have an agreement to accept out of province health plan.  But if you are travelling in Quebec, expect to have to pay for expenses out of pocket, and then get reimburse.  To be noted that not ALL expenses will be reimburse, and you will be responsible for the balance.

Out of Canada:

Every time you leave Canada.  Never be caught naked, without your own medical insurance.  We all hear it; how expensive is medical services out-side of Canada, so no need to find that out on a trip.  Either you are leaving for 1 day or 6 months, no need to take the risk. 

Medical Travel Insurance coverage is a must, every time you travel!  Not worth the financial risk!

Happy Travelling...from  #OptimalTravel !

Canadians not willing to pay for travel insurance despite emergency worries, says study.

According to new study by BMO...

Only half of canadians that will travel this summer will pay for Travel Insurance...?

This is risky business for canadians.  Our health care system in Canada only provides full coverage in the province of your residence beyond that, you need to get coverage.  You will be 100% liable for any medical bills occur abroad.

So why risk it?  It is so easy to get coverage, espacially affordable coverage, as low as 19$....so why risk it all?

Did you know you can apply for coverage, directly online or call to get instant coverage.  

Here is a few example stated in the study:
- a broken leg in the United States can cost up to US$20,000;
- an air ambulance from Florida to Ontario can cost US$15,000; 
- a treatment for decompression sickness in Thailand can cost up to US$40,000.

So it is easy and definitely not worth the cost.

Happy Travelling...from  #OptimalTravel !

Source: http://beaconnews.ca/blog/2013/05/travel-insurance-not-a-top-priority-for-canadians-says-study/

Purchase Travel Insurance months before you leave!

Buy it in advance!

Well, this is an option that could be very beneficial for some clients, especially when you can buy it, and you are a year younger.  

Believe it or not, we have clients that saved over 200$/each on their policy just by buying the Snowbird Travel Insurance before their birthdays.

In Travel Insurance unlike any other insurance, we use your current age, when you are buying the policy, not the age when you are leaving Canada.

I am sure, that those savings could be put in better places than insurance.  

Let's say, you could be enjoying dinner on us!

Happy Travelling...from  #OptimalTravel !

Our Canadian summer has finally started...?

Is it safe to say that our Canadian summer has finally started...?

For most snowbird, when they are on their way back to Canada, it's usually the end of their travel insurance coverage   And at the same time, they expect their summer to start, very soon after their arrival with great weather.  

This year, it's been a waiting game, but I think that we can finally say that summer is here, 2 days to go!

Now, it's time to hit the stores for some flowers.  One think because of the not so nice weather,  they still have a lot of choices available for flowers, as most store are overstocked.  

Good thing for us, it will probably mean great deals this year!

Happy Travelling...from  #OptimalTravel !