Travel Insurance for Frequent Travelers
As you may be aware, I offer travel insurance as a “life-licensed” broker. I strongly believe in travel insurance because for a few dollars a day, it covers you and your family if a “major medical emergency” were to occur when you were travelling outside Ontario. The cost outside Ontario could cause severe financial hardship as OHIP will pay very limited amounts for physician services and hospital/health facility services. Here’s a few ways to save money, if you are or plan to be a frequent traveler or have friends visiting from outside Canada.
If you are a frequent traveler, have you considered “multi-trip” coverage? In a given year, if you take more than four trips out of province (or the US or international), it’s cheaper than buying individual trips. There are 4, 10, 18 or 30 day plans. I personally own a 4-day multi-trip annual plan.
Top-Up a Plan
If you plan to go for an extended period of time on one of your trips, you can add additional days to a multi-trip easily. Say you plan to go to Hawaii for 2 weeks, you can simply add “10 days” to your 4-day multi-trip plan.
Long Term Travel Plans
If you plan to do extensive travel each year outside Ontario ( in Florida or Arizona for example), I recommend considering a product from Manulife called “Travel 80”. It’s designed to meet your “emergency travel” needs to age 80. There is also a 50% “return of premium”, if you make no claims in 10 years. If you travel is more than 30 days at a time such as a snowbird may opt to do, you can add a “top-up” for additional days. Click here for more information about the Travel80 plan!
Don’t Forget Visitors to Canada
If you have family or friends who are visiting from a foreign country, please mention that they should consider “Emergency Medical” insurance. I offer plans ranging from $25,000 to $150,000 in coverage and can be purchased before the visitor arrives in Canada.
Emergency Travel Insurance is recommended especially when you travel outside Canada.
If I can be of service, please contact me. I offer plans from two different providers, so I can shop for the best coverage and price to meet your needs. You can also try the do it yourself option as follows.
However, if you aren’t comfortable doing it yourself, I can setup a convenient time to call and we can work through quotes over the phone.
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Travel Insurance for Frequent Travelers As you may be aware, I offer travel insurance as a “life-licensed” broker. I strongly believe in travel insurance because for a few dollars a day, it covers you and your family if a “major medical emergency” were to occur when you were travelling outside Ontario. The cost outside Ontario …
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