Insurance

Why is it necessary to purchase travel insurance?   

Travel insurance helps to protect you for the unexpected.  When considering a vacation outside of Ontario or Canada it is necessary to ensure that you are protected with some form of travel Insurance, either Cancellation and trip interruption, medical insurance or all of the above.

When talking with your travel agent always ask what options you have for cancellation and trip interruption as well as medical coverage.  You may also be covered with your work plans with a credit card or with the wholesaler you booked the trip with,  but there are restrictions and limitations of coverage so be sure to check out all your options and ask questions.

We suggest that everyone consider purchasing some form of insurance at the time you purchase your trip.  For those with young children or older parents your risk of something happening causing you to have to cancel does increase.   If you had to cancel mid trip due to an emergency at home it is also important to be able to have trip interruption to reimburse for the portion of trip missed and coverage to pay for the emergency flight home.  It is true that the more expensive the trip the higher the insurance cost, however a small price to pay if you need to use it down the road. 

Medical Coverage
There are many situations while on vacation that could put you at risk for either illness or accidents.  Depending on where your travelling, health care is not always inexpensive to obtain so if you had to pay out of pocket especially if it is a more serious illness or accident, that can be devastating to a families resources.