# Tuesday, August 21, 2012
                 
Travel Insurance Tips All too often we hear stories about people that have problems with their travel health insurance coverage while vacationing. Nobody expects to have to use their travel plan, but unfortunately, medical emergencies do occur while traveling.

The following offers several important tips to help you get the right travel insurance policy that gives you the coverage you expect.

Tip #1: Talk to a Travel Insurance Broker/Agent

The best thing you can do is talk to a licensed, knowledgeable travel insurance broker. A good agent knows the differences between plans from different insurance companies. There are numerous plans out there, some more suited to your particular situation than others.

One major mistake people make is traveling without knowing what they are really covered for. Oftentimes coverage details are discovered during a medical emergency, which can be a painful, upsetting experience!

When talking to a travel insurance agent:
  1. Give them all relevant details about yourself. This includes health and pre-existing conditions, and any risky activity while traveling.
  2. Ask what the suggested plan(s) would cover you for.
  3. Ask what these plans would NOT cover you for!
  4. Ask about Trip Cancellation, which often needs to be purchased as optional coverage. Cancelling a vacation or trip due to unforeseen circumstances does happen.
  5. If you plan on traveling multiple times within the year then inquire about the Multi-Trip plans.

Tip #2: Examine Your Policy before Traveling

It is a good idea to go over your travel health insurance policy before leaving the country. Write down any questions that might arise, and then call your agent or broker. Helping you out is their job.

Tip #3: Carry your Travel Insurance Policy with You

Always carry a copy of your travel policy on you. Accidents, by their very nature, are never anticipated!

Tip #4: Be Honest when Applying for Coverage

While applying for coverage be honest about your health and any medical conditions you may have had previously.

When a claim is refused the most common cause is incomplete disclosure by the applicant regarding their medical history. Keep in mind that it is possible to get covered for pre-existing conditions if that condition has been stabile. Note that the length of time a condition needs to be stabile before being considered for coverage depends heavily on the insurance company (they differ).

Tip #5: Canadians aren’t Fully Covered While Traveling in Canada

Many Canadians are surprised to find out their provincial health plan does not always cover emergency expenses while traveling in Canada across provinces.

Such things as ground ambulance and air ambulance transportation back to a Canadian’s province of residence may not be covered, and can be expensive as well.

You can contact your local provincial health care office for more details, or alternatively you can use the provincial health plan summaries at HealthQuotes.ca (on the left-hand side) which also have links to the corresponding government web sites.

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