The arrival of the holiday season signals travel.
The arrival of the holiday season signals travel. Whether you're catching a flight or hitting the road, especially if you're traveling outside of Canada, it's crucial to understand your out-of-country plan coverage. This year, the main focus for holiday travelers is to comprehend how their out-of-country coverage applies.
Key points to consider before, during, and after travel
Make sure to keep these three points in mind before, during and after travel:
Travel insurance coverage details
First and foremost, pay close attention to your coverage and how it applies to out-of-country travel. With varying health and safety regulations across different countries, it's essential to know what your insurance covers in case of medical emergencies, trip cancellations, and other unexpected events. Ensure you review these details before embarking on your journey.
Trip time limits
For those leaving Canada, it's vital to check the standard trip time limit of your insurance contract. Plan members should verify their contracts to ensure their planned trip falls within these limits. Remember, there is no extension to the trip time limit, even if traveling home is restricted. This means that if your trip exceeds the allowed duration, you may not be covered for any emergencies or unforeseen events.
Government travel advisories
The Canadian government often has multiple travel advisories in place and may recommend avoiding non-essential travel outside of Canada. As the global situation continues to evolve, the possibility of borders closing is very real. If that happens, you could find that your coverage runs out while you're still abroad due to the trip duration limit. Stay informed about the latest travel advisories and be prepared for sudden changes in travel restrictions.
The importance of travel insurance
Travel insurance is more important than ever in today's unpredictable world. It provides coverage for unexpected events such as trip cancellations, medical emergencies, and lost luggage. Comprehensive travel insurance can offer peace of mind by covering expenses related to treatment, evacuation, and trip disruptions.
Before you travel, make sure you have comprehensive travel insurance that includes coverage for a wide range of potential issues. This will protect you financially if you need medical assistance while abroad or if your travel plans are disrupted due to unforeseen circumstances.
Traveling can also be unpredictable. Whether it’s losing your bag or getting sick abroad, nobody wants to be in a foreign land facing uncertainty. No matter your travel insurance needs, NFP will help you select the appropriate amount of coverage.