Travel Insurance

Travel Insurance

The Importance of Travel Insurance
If you plan to take a short trip or stay for an entire season out side of Alberta, you should consider travel insurance. For example, are you aware that you may have no health insurance once you leave Alberta? When you travel outside of Canada such as the US, your healthcare coverage is nonexistent. Even when traveling within Canada your coverage may be limited.

What is Trip Insurance?

Trip coverage is designed to cover the many risks you may face when you travel to another country or province. This is the best way to ensure you will not have any major problems to deal with and you can fully enjoy your trip. Insurance is also available in case you are forced to cancel your plans.

Who Needs Travel Insurance?

Do you plan to visit the United States?

Would you like to spend winters in Arizona or Florida? You need special insurance. Also, if you plan to relocate to Alberta from any other country, you will not qualify for medical insurance right away, and you may need something to protect you during the waiting period.

What Coverage Will I Need?

Do you plan to drive your car or SUV? Make sure you are covered. In addition, many drivers choose to increase their liability protection when traveling to the United States. This ensures you are fully protected.

Trip cancellation insurance is very important. It will reimburse you if you have to cancel your plans and it is not your fault. This should be considered when planning expensive vacations or getaways.

You should consider a medical insurance plan that will pay for illnesses or injury while you are away. Remember, some policies may not cover medical problems that are pre-existing, so you may have to check out several companies.

What Options Should I Consider for Travel Insurance?

If you are taking a vacation, consider a “one time” medical insurance policy that is only good for your trip. However, if you are going to become a snow bird or frequent traveler, you will need a more permanent policy or an annual policy.

Before you take out a policy, check the “exclusions”. For example, they may not pay for pre existing illnesses, certain injuries or illnesses.

Finding the Most Affordable Rates

If you want to save money on trip insurance in, consider going with an insurance brokerage like A M Luken Insurance & Financial Services Inc. We have access to several insurance companies and many different types of discounts are available.

There are so many options to consider, it is best to consult an insurance professional. Our insurance experts have years of insurance and financial experience and we offer small town, personal service with big city results.

Call us today at 403-225-5996 to discuss your travel and trip cancellation insurance needs.