Types of travel coverage
- Emergency medical: hospital, doctor and emergency transportation costs while travelling
- Trip cancellation and interruption: prepaid, non-refundable costs if you must cancel or return early for a covered reason
- Baggage and personal effects
- Single-trip or multi-trip annual plans for frequent travellers
The medical questionnaire matters
Many plans ask health questions, and coverage for pre-existing conditions often depends on a stability period before departure. An incorrect answer can lead to a denied claim. Take your time with the questionnaire, and ask me when a question is unclear.
Check what you already have
Some credit cards and workplace benefit plans include travel medical coverage with limits on trip length, age or amount. I can help you compare those limits with a stand-alone plan.
Coverage descriptions are general. Your policy wording, limits and exclusions determine what is covered. Availability and premiums vary by insurer and by your circumstances.