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Why You Need Travel Insurance

It’s not a question of being able to afford travel insurance. It’s more a question of can you afford to travel without it?

We offer Manulife World Travel Insurance !

Not all Policies are the same & our Manulife travel insurance is a premium product designed for Travel Agents and these policies are only available from an Agent. All policies out there are NOT the same. Compare and be educated!

We have a many policy options to fit your needs.

Did you know…?
When you leave Canada, you leave up to 90% of your government health insurance plan behind.1
Supplementary travel insurance is required when leaving your province of residence.
A hospital room in the U.S. can cost up to $10,000 per day.

When you’re travelling, even a minor accident or sickness can become a major expense and inconvenience. So whether your plans include a trip outside your home province or territory, to the U.S. or to another continent, having travel insurance will go a long way toward ensuring you enjoy your time away.

Please take a moment to review some of the reasons why travel insurance should be an important part of planning your trip:

Government Health Insurance Plans Don’t Cover Everything

Anytime you leave Canada—even for a few hours—without travel medical insurance, you’re taking a big risk. Like many Canadians, you might be surprised to know that when you travel outside Canada, you leave up to 90% of your government health insurance plan (GHIP) behind.1 Government health insurance plans also typically cover only a limited portion of medical costs once you leave your home province or territory, even if you are still in Canada.

Plus, unlike a GHIP, a travel insurance plan can also offer benefits such as Baggage & Personal Effects Insurance, Flight & Travel Accident Insurance, Cancellation insurance and Trip Interruption/After Departure Insurance.

So, whether you’re travelling out of the country, or just out of your own province, make sure you understand what you’re covered for and that you have purchased supplemental travel insurance to fill any gaps. This includes reviewing what coverage, if any, is provided by a benefits plan you may have through your employer.

Credit Cards Don’t Cover Everything

Some credit cards cover basic health insurance when you are travelling outside your province/territory of residence or Canada. However, there may be important distinctions between what Manulife insurance covers and what your credit card’s insurance plan covers. Before you take a trip, it’s a good idea to review any coverage provided by your credit card(s) to decide whether you need additional insurance.

Our Travel Insurance Offers Unique Protection

In a world where anything can happen, Manulife insurance is your ticket to safeguarding your trip. For instance, what if you had to:

Cope with an emergency in a foreign country?

You’re on your dream vacation in a foreign country and chances are you may not speak the language. How would you get help during an emergency? Their multilingual coordinators understand your coverage and can help you find the care you need. Simply call 24 hours a day, seven days a week, no matter where you are in the world.

Pay out-of-pocket for medical expenses?

Average Cost for Treatment in Florida (Canadian Funds)2
Cardiac Case: $194,000
(13-day admission with bypass)


Fall resulting in head injury:
Hospital: $134,000
Physician: $25,000
Air ambulance: $20,000

Broken leg: $11,000

If you become sick or injured while travelling, your government health insurance plan would only cover a fraction of the medical costs.

Imagine a medical emergency that requires being taken by air ambulance to the nearest hospital. As you can see from the chart, treatment can easily run into the tens of thousands of dollars.

Emergency travel medical insurance can help cover these costs. Plus, Manulife offers up-front payment on claims whenever possible.

Suddenly rush home because of an emergency?

If you have to return home early, you could incur some serious expenses. Trip Interruption can help reimburse you when your travel arrangements don’t go according to plan.

Replace lost baggage or personal effects?

Don’t let your vacation be ruined if your luggage or personal effects, such as a passport, become damaged or lost. Baggage & Personal Effects Insurance helps cover some of the replacement costs so you can get back to enjoying your trip.

Buy travel insurance as though you’re going to use it.

No one takes a trip assuming the worst. But should something happen, it’s good to know that you and the people you care about will be protected.

An essential part of every trip, travel insurance is a small expense for a tremendous amount of confidence!

Call Dave, Angel or Lesley today for a quote to protect you and your vacation!

 

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