Travel Insurance
Travelling outside of Canada is exciting, but not without risk. While inside the country, you are covered by your Canadian health care, international travel leaves you open to financial issues if you are injured or fall ill without the appropriate travel insurence product.
Travel insurance can be used to cover a variety of travel related problems, including:
- Missed flights
- Lost luggage
- Additional travel expenses
- Medical care
- Emergency services
- Tow trucks
- Vehicle repair
Travel insurance may begin working the moment you book a trip. This means you could include coverage that protects against rescheduled flights, cancelled vacation packages and more.
Why Buy Travel Insurance with Ron Johnston?
For more than four decades, Ron Johnston Insurance has served the people of Ontario in a broad range of travel health insurance services.
Being a local business, our team of experienced brokers know we aren’t just serving clients, but friends and neighbors. We strive to provide the greatest level of protection on all holiday insurance policies while meeting your budget needs with every quote.
When you work with Ron Johnston Insurance for your trip insurance policy, you work with a team who believes in:
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Above and Beyond – Our life insurance brokers work around the clock to find the best deals for our clients. We aren’t satisfied until we know all your needs have been met, and you have peace of mind about your travel insurence.
- Express Claims – We offer express claims on our travel health insurance for accessibility and convenience.
- Customer Satisfaction – Your satisfaction is important to us. Our business is protecting you and your family from financial complications arising from trip cancellation, flight delays, lost luggage, and more. If you aren’t satisfied, we aren’t doing our job right.
What Does Travel Insurance Cover?
There are two types of travel insurances Canadians can purchase. These are standard and extended trip insurance options.
Standard Travel Insurance
Within any basic travel policy, you should have coverage on:
- Pre-existing health concerns – If you require testing or treatment for a medical condition which is known to your insurer, you should be covered through your travel insurence.
- Checkups and evaluations – If you require a medical examination while outside of Canada holiday insurance has you covered.
- Evacuation to Canada – In a serious event where you need to leave the country you are visiting and return home for medical attention evacuation should be included.
- Medical travel costs – Emergency transportation can be expensive. Travel health insurance ensures these costs don’t come out of pocket.
- Repatriation of remains – In the event of your death, your travel insurence pays to have your remains transported back to Canada for burial.
Extended Travel Insurance
There are an assortment of extended travel insurance options to select, including:
- Lost luggage – Trip insurance covers up to a certain amount for you to rebuy essential items until your luggage is recovered.
- Accommodation replacement – If there is a problem with your lodging when you arrive on vacation, extended travel insurence may pay for alternative lodgings.
- Transportation – If your flight is changed and you find yourself without means of transportation to your hotel or final destination, extended insurance will help pay for transportation.
Have Any Questions About Commercial Insurance?
Ron Johnston Insurance believes in giving our clients all the facts. We have included some of our most frequently asked travel insurance questions to shed further light on holiday insurance options.
Depending on the country you are travelling to you may be required to obtain certain vaccines. If you file a claim due to illness related to one of the diseases you were required to vaccinate for, and you did not vaccinate, you may not be covered. It is helpful to check with the country you are travelling into before you depart.
If you have trip cancellation insurance, you should be covered from COVID-19 related cancellations. This may depend on the airline or agency you book with. Ask your broker to be sure you are covered in all cancellation scenarios.
While you are covered up to a point throughout Canada, reimbursement amounts vary from province to province. Having full trip insurance better protects you against unforeseen financial issues relating to your vacation.
Yes, it’s essential to disclose any pre-existing medical conditions when purchasing insurance. Failing to do so could result in coverage exclusions or denial of claims related to those conditions. Disclosing pre-existing conditions ensures that you receive appropriate coverage and assistance if medical issues arise during your trip.
Trip cancellation insurance typically covers unforeseen events that prevent you from traveling, such as illness, injury, death of a family member, natural disasters, or certain travel restrictions. Each policy may have specific terms and conditions, so it’s essential to review your policy to understand what events are covered.
It depends on the insurance policy you purchase. Some policies may include coverage for certain adventure sports and activities, while others may exclude them. If you plan to engage in adventurous activities like skiing, scuba diving, or mountain climbing, be sure to check if your policy provides coverage for these activities or if you need to purchase additional coverage.
If you require medical assistance while traveling abroad, contact the emergency assistance number provided by your travel insurance provider immediately. They can help coordinate medical care, arrange for medical evacuation if necessary, and assist with navigating the local healthcare system. It’s essential to keep your travel insurence policy information and emergency contact numbers readily accessible during your trip.
Yes, you can typically purchase travel insurence after booking your trip, but it’s recommended to do so as soon as possible to ensure you have coverage for unforeseen events that may occur before your departure. Keep in mind that some coverage options, such as trip cancellation benefits, may only be available if you purchase the insurance within a certain timeframe after booking your trip.
Yes, it may provide coverage for trip interruption or delay due to airline delays or cancellations, as long as the delay meets the policy’s criteria for coverage. This coverage can help reimburse you for additional expenses incurred, such as accommodations, meals, and transportation, due to the delay or interruption of your trip.
For more information on travel insurance, or to purchase trip cancellation insurance today, we invite you to contact Ron Johnston Insurance. Call us at 1-705-325-6200 to speak to one of our experienced travel health insurance brokers.