Why do I need Travel Insurance?
Too many people leave on vacation thinking that nothing serious can happen. Sadly, that long-anticipated trip can
suddenly not happen or turn into a nightmare. A divorce, job loss, serious illness, or even the death of a loved
one could suddenly interrupt your trip. What would happen if your airline or cruise line went bankrupt?
What would you do if your passport and wallet were stolen during your trip? What about cancelled flights, missed
connections, lost luggage and acts of terrorism? And what if you suddenly get sick at destination?
That's why it is important to purchase insurance that covers financial losses related to non-refundable
expenses such as advances and amounts prepaid for ticket purchases. Travel protection covers the risk of financial
loss related to emergency medical expenses incurred while traveling.
Why do I need insurance when I travel?
An accident or emergency can happen anywhere. If you need medical care in another country or in another province
in Canada, your government health plan may pay only part of the costs. Travel medical insurance
starts where these plans finish and it provide coverage for unforeseen problems,
from a cancelled flight to a serious illness, or in rare cases, even an act of terrorism or the
bankruptcy of a supplier. If an illness, accident, or other covered unforeseen circumstance
forces travellers to cancel or interrupt their plans, they face two major financial losses: the
money invested in non-refundable pre-payments and medical expenses that in many instances may not be
covered by health insurance.
Will a pre-existing medical condition affect my coverage?
Depending on your age, condition and, if applicable, your answers to our health questions,
pre-existing medical conditions are covered if they are stable for a certain period of time (as
specified in your protection) before your policy's effective date. Whatever your condition, give us a call and one
of our agent will be able to give you a free quote. Because we are an insurance broker, we offer a wide range of
insurance coverage and we can find the perfect product for you.
What do I need to know about completing the health questions?
Your answers to the health questions (if applicable) will determine the proper rate for coverage of
your pre-existing health conditions. When answering the health questions:
Take your time.
If someone else completes the health questions for you, keep in mind that it is still
your responsibility to make sure the answers are correct.
Please read each question carefully as incorrect answers can lead to the cancellation of
your coverage and the denial of your claim.
Have your prescriptions or a description of your medication on hand for reference.
Please review the answers you have provided to the health questions to confirm that they
If you are unsure about any questions regarding your medical condition or medications,
please speak to your physician.
If you have any other questions, please feel free to contact us; we will be happy to assist you.
Doesn't my credit card issuer provide coverage for me when I travel?
We recommend that you carefully review the coverage provided by your credit card
issuer, as well as any conditions or stipulations before you leave.
Doesn't my government health plan or personal health insurance plan cover me?
When you travel outside Canada, you leave up to 90% of your government health insurance plan behind.
Government plans also typically cover only a limited portion of medical costs once you leave your
home province or territory, even if you are still in Canada. Many health insurance plans do not
provide payment directly to foreign hospitals. They may have a deductible and/or not cover the cost
of emergency medical transportation. Emergency assistance services are there to help direct you to
the right hospital and make sure you receive the proper medical care.
Health Insurance Plan does not provide such extensive services 24 hours a day, 365 days a year, nor
does it provide upfront payment for emergency medical care, regardless of where you are. In
addition, government plans do not guarantee coverage for special care (air ambulance or emergency
dental services, for instance).
When should I purchase travel insurance?
We strongly recommend that you purchase coverage before departure. Although some of our insurers
will cover you if you are already on your trip, they may exclude any pre-existing medical
conditions, limit the amounts payable on your policy or impose a large deductible and/or
Can I extend my emergency medical coverage if I prolong my trip?
You may extend your coverage if you prolong your trip at any time, subject to the conditions of your
Are there events or medical conditions that are not covered?
Every insurance plan contains restrictions and exclusions. For more information, review the terms
and conditions of the products that interest you. You can also contact SecuriGlobe for more detailed
information. Feel free to mention any concern when you call us for your quote.
Why buy from SecuriGlobe?
Coverage options, deductibles and product flexibility are all important considerations when buying
travel protection. Trip duration, destination activities, health status, age, etc. vary, and some
policies suit certain people better than others. You have to compare apples and apples to make the
As an insurance broker, SecuriGlobe takes the frustration out of buying insurance by comparing 14 leading
insurance providers and 30 different policy options side by side and then whittling your choices down to the 3
options that best suit your needs. There are no additional administration or
hidden fees. Canadian insurance companies include Blue Cross, CUMIS, MedGuard, TuGo, Manulife, Royal and Sun
Alliance, MediGlobe – all the biggest names. Since protection types are compared side by side,
insurers compete for your business and you get the best price every time.
SecuriGlobe also knows that
insurance can be intimidating, so in addition to our online quote engine, we also have representatives standing by
to take your call to answer your questions, make recommendations and even confirm your coverage at 1-866-550-2444.
Our objective is to get you the right protection at the best price.