What Do You Ask About Travel Insurance?
You can ask questions about what is included in the plan and you can compare costs. Some questions you might ask could include:
- Is this an annual plan or a single trip plan? What do you need? How often do you travel outside your province?
- If I decide to stay longer? Call before your existing policy expires.
- What if I am already out of province? Coverage is available but usually with a waiting period.
- Is there any procedure I should know about before a claim? e.g. If possible contact provider before choosing a hospital for treatment. This could speed up the processing of the paperwork.
- Is there a special price for family rates? Usually you save money if family rated.
- What is considered a family? Grandchildren often can travel under a grandparent's policy as part of a family package.
- What deductible applies? Can this be lowered or increased? This can reduce or increase premium.
- What if I am under a doctor's care? Is there an exclusion for my medical condition? Is there a limit to my coverage?
- Is trip cancellation/trip interruption included? Booking your travel online may may this an important factor.
- Is baggage coverage included? Your homeowner policy will have a deductible and a limitation on time that property is temporarily removed.
- What is the maximum payout? Policies often will have limits of $5 million.
- Does my credit card provide travel insurance coverage? What are the limitations and exclusions?
