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Why Travel Insurance Is Important

Why Travel Insurance Is ImportantWhy Travel Insurance Is Important.  When people of Canada want to go abroad or anywhere in the country, they should purchase travel insurance that will help them to cover health, life, disability, and baggage. The insurance will help the travelers to save their expenses on hospitalization, flight cancellation, loss of baggage and many other things.

Besides purchasing the insurance, the traveler must also check the following.

  • Eligibility
  • Terms and conditions
  • Limitations
  • Restrictions
  • Exclusions

The need for travel insurance

Canadian insurance is valid only inside the country and not abroad. The insurance will only give a little coverage if a person faces any damage abroad. The doctors abroad do not attend those people who do not have travel insurance or are unable to pay the hospital bills.

Coverage in travel insurance

The travel insurance package covers the following

  • Medical coverage at the time of emergency
  • Trip cancellation
  • Trip interruption
  • Lost baggage
  • Stolen baggage

Flight delay

The airlines in Canada do not pay for accommodation or food if the flight is delayed or canceled. Flight cancellation can occur due to any reasons like natural calamities. If the traveler has travel insurance, it will cover the meals and accommodation in the hotel. The cost of the flight for returning home will also be covered in the policy.

There is a limit, which depends on the length of cancellation of the flight. The cost of the policy depends on the things being insured. If the traveler is carrying valuable things like jewelry, the insurance company will need a receipt for these valuables.

Trip Cancellation

Sometimes trips are canceled due to illness or any other emergency happened in the family. The trips can also be canceled due to emergency related to work or injury. In such a case, the insurance policy covers all those costs which are non-refundable and these include bookings in hotel and resort, airlines ticket, tickets for visiting the various sights at the destination, etc.  Natural disasters, riots, wars, etc. can also lead to the cancellation of flights. The trip interruption insurance also covers the cost of returning back home.

Health coverage in travel insurance

Travel insurance will not include any illness which is already existing and the person is taking medication. It will only be covered if it is mentioned in the policy. People who are suffering from such illness may not be covered by the insurance company.

Travelers have to buy travel insurance on per trip basis and not for all the trips.

 

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