There are two types of insurance you may want to consider:
Trip cancellation or interruption insurance.
- If you are forced to cancel your trip or cut it short you can get your money back. Read the terms carefully before you buy so you know what you are getting. Most travel agents will offer you a package when you are booking the trip. Baggage insurance is probably included or may be an add-on.
- The importance of medical insurance depends on where you are travelling and how much coverage you already have.
- Most of the health benefit plans in Canada will cover you at Canadian rate tariffs for whatever they do cover. If you require medical attention in the USA the cost can dramatically exceed Canadian tariffs. Also, if you become ill in certain countries, you may need to be evacuated, a procedure which can be very expensive.
- Most organizations that sell travel medical insurance will sell it by trip or by annual coverage.
- Before you buy, check out the coverage you already have, and carefully read the whole policy you are considering. Pay particular attention to exclusion clauses and the definitions the exclusions hinge on. The exclusions in a policy can vary depending on your age. If you have to fill out a medical questionnaire, do it correctly.
- Check consumer reviews of travel insurance. Getting ill is bad enough. You do not need a hassle with your insurance company.