Travel Insurance for Canadians, Canadian Residents

When shopping for travel insurance outside Canada, you have special options due to nationalized healthcare at home and the ability to include or exclude coverage in the USA. Above are a few selections and recommendations for our Canadian travelers. For additional recommendations and options based on your specific needs, contact us at [email protected] or call us at 1(480)813-9100.

Below is a bit more about travel insurance and your different travel insurance plans:

International travel insurance plans are for business travel, tourism, charitable travel and missions work. They are also for social good and special interest travel such as art tours, cultural exchange, and community healthcare. We also offer group travel plans for those traveling together. These rates are available to groups (even as few as one or two travelers in case your group advertises a trip and only a few sign up!) and feature convenience as well as lower rates.

“Travel insurance” is used in different ways – To protect your finances and health and against accidental death overseas (as a type of international life insurance)

We offer policies that will protect you when doing adventure sports or when in high-risk areas with travel advisories due to instability, terrorism or crime against foreigners. Our policies also protect you in remote areas lacking medical facilities, whether young or over 65+ or those traveling for more than a year or two.

Know that

1.) Emergency travel medical insurance protects your health. It covers medical claims for accidents or illnesses suffered overseas. Travel health insurance plans all include many additional travel benefits such as lost luggage, repatriation of remains and AD&D coverage overseas. They even include personal liability and natural disaster benefits.

All of these policies also include emergency medical evacuation with up to 1 million dollars USD maximum. We recommend at least $250,000 depending on your location. We also offer emergency evacuation only policies which will transport you to the hospital of your choice back home. Note that emergency evacuation policies are not medical insurance and will not pay for medical treatment. They are to cover emergency evacuation transport only.

We offer Trip Cancellation plans for Canadians

This type of travel insurance is used to protect against loss of non-refundable trip deposits in case you cannot go on your trip or if your trip is cut short (Trip Interruption). Some trip cancellation plans offered by travel agents or online have poor travel medical benefits. Travel agents are not required to be licensed insurance agents to sell them. However, if you get a good trip cancellation plan, it will protect both your finances and your health with strong medical benefits.

Trip cancellation insurance costs more than travel medical insurance because it must also consider the replacement cost of your trip and the likelihood of you cancelling your plans. Trip cancellation plans usually limit you to cancellation due to a death in the family, loss of a job, or a doctor forbidding you to travel due to an accident or illness. We also have trip cancellation plans that include “cancel for any reason.”

Flight Insurance is also called travel insurance, but is usually a bad investment since flight insurance benefits (called “common carrier accidental death benefits”) are almost always included in all our travel medical insurance plans.

When buying a travel insurance policy, consider:

Consider if you need U.S. coverage in your travel plan. If you are not traveling to the USA, consider excluding the U.S. to save money. (We can give you some direction on the best plans to fit your budget and itinerary.)
Your destination and whether a carrier has good direct-pay agreements with hospitals and doctor networks there.
Consider if the insurance carrier offering the travel plan is well known and has good networks and history of paying claims promptly.
Consider if you are at a higher risk due to poor medical conditions (esp. if volunteering in a remote area), or at higher risk due to instability, crime, kidnapping, etc.
Your age: Some plans are better than others for those over 65+ both in terms of cost and benefits offered.
Consider choosing a low or no deductible ($0 deductible) if traveling for 3 weeks or less. The overall cost will not increase more than $10 or 20. If you need to use your insurance overseas, you will save the $125 deductible or $250 deductible.

If you have questions about which policy is best for you and your family, for your destination, or your specific travel needs, give us a call or chat with us live. In just a few minutes, we can eliminate the guesswork and recommend the best plan to keep you safe overseas from the dozens of plans available on the internet.

One of the advantages of Good Neighbor Insurance is personalized service.

We have ten to twelve different carriers and dozens of plans so you do not need to shop all over the internet. We also pre-select only those carriers that offer the best service and best prices so that you know they will be there when you need them.

Call 1(480)813-9100 or contact us and let us recommend a couple options that you can choose from.