Get help covering your unexpected expenses wherever you travel.
Travel insurance is an essential component of any trip and provides financial protection and peace of mind to travelers. It offers coverage for various unexpected events and risks that can occur before or during your trip.
Here are some key reasons why travel insurance is important:
Trip Cancelation or Interruption:
Travel plans can be disrupted due to unforeseen circumstances like illness, injury, natural disasters, or other emergencies. Travel insurance can reimburse you for non-refundable expenses such as flights, accommodations, and pre-paid activities if you have to cancel or cut short your trip.
Medical Emergencies:
While traveling, you may face unexpected medical issues or accidents. Travel insurance can cover medical expenses, hospitalization, emergency medical evacuation, and repatriation of remains. It ensures that you receive necessary medical care without incurring significant financial burden.
Lost or Delayed Baggage:
Airlines occasionally misplace or lose luggage, which can be frustrating. Travel insurance can provide coverage for lost, stolen, or damaged baggage, as well as reimburse you for essential items in case of baggage delay.
Travel Delays:
Flight delays and cancelations can disrupt your travel plans and lead to additional expenses such as accommodation, meals, and transportation. Travel insurance can provide compensation for these unforeseen expenses, ensuring you're not left out of pocket.
Personal Liability:
In some situations, you may accidentally cause property damage or injury to someone else while traveling. Travel insurance can offer coverage for personal liability, protecting you from potential legal and financial liabilities.
Emergency Assistance:
Travel insurance often includes 24/7 emergency assistance services. These services can help you with emergency cash transfers, travel document replacement, legal assistance, and medical advice, providing support and guidance in challenging situations.
While travel insurance is important, it's essential to carefully review the policy terms, coverage limits, exclusions, and conditions to ensure it meets your specific needs. Consider the nature of your trip, the value of your belongings, and the potential risks involved to make an informed decision about the coverage you require.
Is your credit card’sinsurance enough?
A credit card can be an avid traveller’s best friend.
In fact, many cards are geared specifically to people who love to get away from it all, offering travel rewards points and travel insurance. However, every card is different and some might not offer the coverage you’re expecting. Here are some key questions to ask of your credit card’s travel insurance:
How many days does it cover?
What if you’re travelling for two weeks and it only covers you for seven days?
Does it allow top-up insurance?
Insurance companies like Manulife offer top-up insurance to help cover any part of your vacation that your card doesn’t. But some cards don’t allow you to add top-up insurance.
Do you qualify?
Your card may have an age limit for travel insurance. Does it allow for pre-existing conditions? Some cards are strictly against providing coverage for pre-existing conditions. So, for example, if your travel medical expenses are related to an existing heart
condition, or if you have a change in medication, coverage through the credit card may not cover those expenses.
Did you use that card to pay foryour trip?
In some cases, it’s not enough just to have the card – you may have to pay for the trip with that card in order for the insurance to be valid for that trip.
Does it offer more than just emergency medical coverage?
Many cards only cover you for emergency medical costs while travelling. That means you may not have trip cancellation insurance, trip interruption insurance, or coverage for lost or delayed luggage.
Is your whole family covered?
It would be a terrible surprise if your child needed medical help in another country and it turned out your card only covers your medical expenses, not your child’s.
Manulife Global Travel Insurance gives the option to include coverage for your children. Would you have to pay up front?
Your card’s insurance may want you to pay out of pocket for travel emergency medical expenses, then reimburse
you later. With Manulife Global Travel insurance, whenever possible, Manulife tries to limit your out-of pocket expenses by helping to pay your emergency medical costs directly to the medical provider. Be sure to read the fine print of your credit card’s coverage before you leave. And if you need more comprehensive coverage, or if you need to fill in some gaps in your credit card’s coverage, you can easily and affordably get it from a licensed Newwest Travel consultant.
