The Ultimate Guide to 90 Day Travel Insurance in Canada: What You Need to Know
As travel becomes more accessible and affordable, people are venturing out to explore the world. However, travel can be unpredictable, and it’s important to be prepared for any unexpected event. That’s where travel insurance comes in. If you are planning a trip to Canada and wondering about travel insurance options, here’s everything you need to know about 90-day travel insurance.
What is 90-day travel insurance?
As the name suggests, 90-day travel insurance is a type of insurance policy that covers you for a maximum duration of 90 days. This makes it ideal for short-term travelers, such as tourists, students, or business travelers, who need coverage for a limited period.
Why do you need 90-day travel insurance?
No matter how well-planned your trip is, unexpected events can occur, and the cost of healthcare and other related expenses can be steep in Canada. Some common reasons why you may need 90-day travel insurance include:
– Medical emergencies: If you fall sick or get injured during your trip, travel insurance can cover your medical expenses, including hospitalization, diagnostic tests, and medication.
– Trip cancellations or interruptions: If your trip gets canceled or postponed due to unforeseen circumstances, such as bad weather, illness, or death in the family, travel insurance can cover the cost of non-refundable expenses, such as flight tickets and hotel accommodations.
– Theft or loss of personal belongings: If your belongings, such as your passport, luggage, or electronic devices, get stolen or misplaced, travel insurance can reimburse the cost of replacement or repair.
– Emergency evacuation or repatriation: If you need to be evacuated or repatriated due to a medical emergency or a political crisis, travel insurance can cover the cost of transportation and medical care.
How to choose 90-day travel insurance?
Before purchasing a 90-day travel insurance policy, here are some factors you should consider:
– Type of coverage: Make sure the policy covers the activities you plan to engage in during your trip, such as adventure sports, skiing, or scuba diving.
– Medical coverage: Check if the policy covers pre-existing medical conditions, emergency dental care, medical repatriation, and 24/7 medical assistance.
– Trip coverage: Look for a policy that covers trip cancellations or interruptions, flight delays, lost baggage, and emergency evacuation.
– Policy limits: Check the maximum amount the policy will cover for medical expenses, trip cancellations, or personal belongings.
– Deductibles and co-payments: Check if the policy has any deductibles or co-payments, and if they are affordable for you.
How to make a claim?
If you need to make a claim on your 90-day travel insurance policy, follow these steps:
– Contact your insurance provider as soon as possible, and provide the details of the incident and the policy number.
– Submit all the necessary documents, such as medical reports, police reports, receipts, and proof of ownership.
– Wait for the insurance provider to assess your claim.
– If the claim is accepted, the insurance provider will reimburse the cost of the covered expenses, minus any deductibles or co-payments.
Conclusion
Travel insurance is an important investment for any traveler, and 90-day travel insurance can provide coverage for short-term trips to Canada. By choosing a policy that suits your needs and being aware of the coverage limits and procedures, you can enjoy your trip with peace of mind.
