WHAT TYPE OF 

TRAVEL INSURANCE DO I NEED?

              Questions to ask when applying for Travel Insurance

 

 

.  What countries am I planning to visit?  Are they on Canada’s excluded list? If the country I am going to is on the excluded list, only certain insurers will offer Travel Insurance coverage.

 

.  Am I planning on doing any hazardous sports while travelling?  Most exotic sports are excluded on the standard Insurance policies.

.  How is my health? Has it changed in the last six months? Have any of my medications or the prescribed dosage changed in the last six months?

 TYPICAL TYPES OF TRAVEL INSURANCE POLICIES ARE:

. Trip Cancellation/Trip Interruption Insurance

This type of Travel Insurance protects your travel investment if you must unexpectedly cancel your trip.  Your eligible prepaid trip expenses will be protected up to the amount of coverage purchased.

.  Baggage and Personal Effects Insurance

This type of Travel Insurance protects your damaged or lost luggage.

. Comprehensive Insurance

This Travel Insurance provides coverage for Emergency  Medical, Trip Cancellation/Trip Interruption, Baggage and Personal Effects and Accidental Death and Dismemberment Insurance.

HAVE A CHECK LIST TO HELP YOU BUY TRAVEL INSURANCE!

HAVE YOU:

.  researched what Travel Insurance is available or have you chosen the first plan that you found?

.  spoken with your doctor or are you guessing for which health conditions you are being treated?

.  called a licensed Travel Insurance Agent or are you rushing to complete the application before you board the plane?

.  read the fine print or are you making assumptions about what is and what isn’t covered under the Travel Insurance policy that you have chosen?

.  checked out the policy glossary or are you relying on your friend’s interpretation of a confusing term?

.  enquired about deductibles or are you prepared to pay a lower cost now and a higher premium later?

. asked questions, questions and more questions or are you concerned that you will be a bother?

NOW YOU ARE READY TO SPEAK WITH A LICENSED AGENT TO PURCHASE YOUR TRAVEL INSURANCE.

  call Glenn at glenn@cuttherisk.com  or see www.cuttherisk.com