Comprehensive Travel Insurance for Your Peace of Mind

What Does Our Travel Insurance Include?

• Emergency Medical Coverage: Receive up to $10 million in coverage for unexpected hospital and medical expenses during your trip.
• 24/7 Worldwide Medical Assistance: Access round-the-clock medical support, no matter where you are.
• Optional Pre-Existing Medical Coverage: Customize your policy to include coverage for pre-existing conditions, providing added peace of mind.
• Travel Delay Benefits: Get reimbursed for accommodations, meals, additional transportation, and entertainment expenses incurred due to unforeseen travel delays.
• Companion Discount: Enjoy a 5% discount when traveling with a companion.
• Renewal Discount: Benefit from a 5% renewal discount on Multi-Trip Annual policies.?
• No Age Restrictions: We offer coverage options suitable for travelers of all ages.

Additional Coverage Options

• Trip Cancellation and Interruption Insurance: Protect your investment against unforeseen events that may cause you to cancel or cut short your trip.
• Baggage Insurance: Ensure your personal belongings are covered against loss, theft, or damage during your travels.
• Adventure Sports Coverage: Planning an adventurous trip? Extend your coverage to include high-risk activities and sports.

Factors Influencing Your Travel Insurance Premium

Several factors can affect your travel insurance premium, including:

• Destination: Traveling to regions with higher medical costs or increased risk factors may influence your premium.
• Duration: Longer trips may result in higher premiums due to extended exposure to potential risks.?
• Traveler's Age: Premiums can vary based on the age of the insured individuals.
• Medical History: Pre-existing conditions and overall health can impact coverage options and costs.?
• Coverage Selections: The types and limits of coverage you choose, along with deductible amounts, will affect your premium.

Available Discounts

You may qualify for discounts if you:

• Travel with Companions: Enjoy a 5% discount when traveling with a companion.
• Renew Policies: Benefit from a 5% renewal discount on Multi-Trip Annual policies.?
• Maintain a Claims-Free History: Keeping a record free of insurance claims can lead to premium reductions.

Frequently Asked Questions

Is travel insurance necessary if I have provincial health coverage?

Provincial health plans offer limited coverage outside your home province and typically do not cover expenses abroad. Travel insurance ensures you're protected against unforeseen medical emergencies and other travel-related issues.?

What does travel insurance cover?

A comprehensive travel insurance policy can include:

• Emergency medical coverage for hospital visits, doctor consultations, and prescription medications.
• Trip cancellation/interruption insurance to reimburse costs if your trip is canceled or cut short due to illness, emergencies, or unforeseen events.
• Baggage loss or delay coverage to protect your personal belongings.
• Accidental death and dismemberment benefits for additional financial protection.
• Travel delay coverage to cover expenses like hotel stays and meals due to flight delays or cancellations.

What is not covered by travel insurance?

Travel insurance does not cover:

• Routine medical check-ups or non-emergency procedures.
• Injuries or illnesses related to pre-existing conditions (unless specifically covered).
• Traveling against medical advice or while undergoing medical treatment.
• High-risk activities, such as extreme sports, unless you purchase additional adventure coverage.
• Losses due to self-inflicted injuries, drug/alcohol-related incidents, or illegal activities.

Can I get coverage for pre-existing medical conditions?

Yes! Western Coast Insurance, through our partner TuGo, offers optional coverage for pre-existing conditions, depending on the policy and stability period requirements. Be sure to disclose any pre-existing conditions when purchasing your policy to ensure you are fully covered.

How much does travel insurance cost?

The cost of travel insurance depends on several factors, including:

• Your age (older travelers may pay higher premiums).
• Your trip length (longer trips generally cost more to insure).
• Your destination (travel to the U.S. or other high-cost healthcare countries increases rates).
• Your coverage level (basic medical vs. full coverage with trip cancellation and baggage protection).
• Whether you add coverage for pre-existing conditions or adventure sports.

Does travel insurance cover COVID-19?

Many policies now include COVID-19 coverage for emergency medical expenses and trip interruptions due to illness. However, coverage varies depending on the policy, destination, and government travel advisories. Always review your policy details to ensure you have the necessary protection.

Can I buy travel insurance after I have started my trip?

In most cases, you need to purchase travel insurance before leaving your home province. However, some providers allow you to buy coverage after departure, though waiting periods may apply before coverage becomes active. It’s best to purchase your policy before you travel.

Does travel insurance cover lost or stolen baggage?

Yes! Baggage insurance can reimburse you for lost, stolen, or damaged luggage, as well as delayed baggage. Policies typically provide:

• Reimbursement for personal items if luggage is lost or stolen.
• Compensation for essential purchases (like toiletries and clothing) if your luggage is delayed for an extended period.

What should I do if I need to make a travel insurance claim?

If you need to file a claim, follow these steps:

1. Contact the 24/7 emergency assistance number provided in your policy to report the incident.
2. Gather all necessary documentation, including medical reports, receipts, and proof of expenses.
3. Submit your claim online or through the insurer’s claims department.
4. Follow up on your claim for status updates and required documentation.

Is multi-trip annual travel insurance worth it?

If you travel multiple times a year, a multi-trip annual travel insurance plan can save you money compared to purchasing single-trip policies. These plans provide continuous coverage for multiple trips within a 12-month period, ensuring you're protected year-round.

When should I buy travel insurance?

You should buy travel insurance as soon as you book your trip to maximize coverage benefits, especially for trip cancellation insurance. This ensures you’re protected if you need to cancel before departure due to unforeseen circumstances.

What happens if my flight is delayed or canceled?

If your flight is delayed for an extended period due to weather, mechanical issues, or other disruptions, travel delay insurance can reimburse costs for meals, accommodations, and transportation until you reach your destination. Trip cancellation coverage may apply if your flight is canceled altogether.

What type of travel insurance do I need for long-term travel or working abroad?

If you plan on traveling for several months or working abroad, consider long-term travel insurance or expatriate insurance to ensure you have continuous medical coverage while away. Standard travel policies may have trip duration limits, so be sure to check your policy details.

What’s the difference between trip cancellation and trip interruption insurance?

• Trip cancellation insurance reimburses non-refundable travel expenses if you need to cancel your trip before departure due to covered reasons (e.g., medical emergencies, family emergencies, or natural disasters).
• Trip interruption insurance covers additional expenses or lost trip costs if your trip is cut short after departure due to an emergency.