The Basics of Travel Insurance

“I’m leaving on a jet plane, don’t know when I’ll be back, but I’m leaving on a jet plane.” This is one of the Campbell & Haliburton Insurance team’s favourite songs when walking through the Regina airport. In this blog, Campbell & Haliburton is going to explore some travel insurance questions and queries! Campbell & Haliburton Insurance is a locally owned Regina insurance advisor, and we are proud to be present in the same city that we started in 1957!! We are happy to be a part of the Regina community, as we believe this is one of the most important values of our company. Further, we are a certified SGI Regina insurance advisor and know the importance of selling an insurance policy and educating each customer.  

Travel Insurance

• Put lights on automatic timers​.
• Make sure to have your home insurance policy on the table, just in case anything happens while travelling.
• Be aware of your auto insurance.
• Always have someone check your home while you are away.
• TRAVEL INSURANCE!

What is Travel Insurance? 

Travel insurance helps to cover the cost of medical care if you become sick or injured while travelling, among other things!. 

When do you need it? 

If you plan to travel outside Canada ‒ even for a single day ‒ you should buy travel insurance before your trip or vacation.

There are a number of risks you face when travelling. Travel insurance can help protect you from financial loss in the event of an emergency. If you need medical assistance while abroad, travel insurance can cover the cost of your medical bills and care. Further, if your trip is cancelled or interrupted, travel insurance can reimburse non-refundable expenses.

Travel insurance is an important consideration for any trip, and it’s especially important if you’re travelling to a country with high medical costs or risks!

Outside of Canada what is covered under Travel Insurance? 

No matter where in the world you are travelling, there are three basic medical expenses your travel health insurance policy should always cover.

1. Medical evacuation from your travel destination if required.
2. Coverage for any pre-existing conditions you have.
3. Repatriation (covering the cost of transporting your remains should you pass away during your trip).

Every travel medical insurance policy is unique, as one has many options when applying for coverage.

Most insurance policies typically cover:

• Emergency medical treatment for illness or injury.
• Prescription medications.
• Emergency dental treatment services.
• Essential medical equipment (crutches, wheelchairs, slings, braces, etc.).
• X-rays and other diagnostic laboratory procedures (bloodwork, ultrasounds, etc.).
• Required ground, air or sea ambulance services.
• Follow-up post-medical appointments with healthcare providers.
• Medical evacuation.
• Ambulance travel to the nearest hospital.
• Meal expenses and accommodations while waiting for medical care.

The next time you are preparing for you trip, check off the very first thing — travel insurance.  Contact us today, Campbell & Haliburton Insurance for your insurance needs!

**(This is a general overview. There are many different insurance companies and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or advisor).