Savvy travellers know they need travel insurance. But what is travel insurance exactly, and how does it work? To help you make an informed decision on your travel insurance purchase, we’ve provided transparent, straightforward overviews about what travel insurance is, why you need it, and how it works to protect you before, during, and after your trip.

Feel confident knowing that Allianz Global Assistance is here to assist you in choosing travel insurance that meets your travel needs and budget.

What is travel insurance?

An unexpected medical emergency, a cancelled flight or a hurricane can bring the vacation you’ve been dreaming about to a halt. Travel insurance can help turn things around by covering costs incurred due to emergency medical care, the cancellation or interruption of your trip, and more.

Do I need travel insurance?

Worthy reasons for purchasing travel insurance abound, and everyone’s situation is different. Start by considering your circumstances and what coverage makes most sense for you, your immediate family and even your extended family.

A good place to start is to weigh the possible risks associated with travel and the situations that could arise if you or your family were to experience an emergency before or during your trip.

Generally, travellers are motivated to purchase travel insurance to protect themselves against one or more of the following risks:

-In case you become sick or injured while travelling
-In case you need to cancel your trip before you leave, or interrupt or delay it once you are travelling
-In case my baggage gets lost, stolen or delayed
-If you are required to have travel insurance to enter a country

Pre-Existing Condition Exclusions

A common exclusion in travel insurance plans is for pre-existing medical conditions. This exclusion relates to medical conditions that existed before the effective date of your policy. Exclusions such as these are in place because an incident while on holiday that is related to a medical condition you had previously, isn’t considered unexpected, sudden or unforeseen.

Depending on your age and the length of your trip, the pre-existing condition exclusion will require that any previous medical conditions you have must be stable for a specified period of time before the effective date of your policy, for example, 90 or 150 days.

Travelling within Canada

When travelling outside of your home province, your provincial health insurance plan won’t necessarily travel with you. Travel insurance is not only essential when travelling abroad, it is also important when travelling to other provinces and territories within Canada.

Are you ready for your no obligation quote?
If you are a resident of British Columbia, you can call or email me at 1 (236) 259-4128 / This email address is being protected from spambots. You need JavaScript enabled to view it.
If you reside outside of British Columbia, You can quote and Purchase a Policy via this link HERE. Please email me with your Policy Number so that I am aware of your policy.