Perhaps you and your family are the kind who loves to pack their bags at a moment’s notice and love to take off to explore the beautiful landscape of Canada or a foreign country. Or perhaps you’re a tourist in this lovely land, exploring its unique treasures that include fabulous national parks, museums, wonderful cities, cultural and historic monuments and sites, etc.

Whatever your travel profile, one of the things that many people fail to understand is the importance of taking travel insurance. People assume that their credit card insurance, home-owner’s insurance or domestic health package would cover them wherever they go. Canadians have provincial health insurance or government health insurance policies which are valid from province to province but it may not pay for all medical expenses incurred outside the province.

If you or a loved one suffers illness or accident, mishaps or other losses outside your home country or province, you would have to face inconvenience and hardship. You may have to incur major medical expenditure especially in countries like the United States where medical costs/hospitalization are very high. Contact a Mississauga personal injury attorney if your accident has been caused by someone else, since you are entitled claim compensation.

What Is Travel Insurance?

Insurance that’s tailored around travel and covers medical expenditure, loss of luggage, flight cancellation, compulsory quarantine, accidental death, injury or disability, hijacking, travel delays due to bad weather, stolen or damaged baggage, overseas funerals, legal expenses, trip cancellation by the organizers, repatriation of remains of a deceased person etc. are all covered under travel insurance policies.

Though travel insurance may never have to be claimed, it’s wiser to have coverage while traveling in case the unexpected happens. This helps you to meet these unforeseen expenses while you are in an unfamiliar location. Some of the instances where travel insurance coverage is beneficial include:

• When you’re carrying expensive items or important documents
• Undertaking risky or adventurous activities like mountaineering, rafting, sailing, diving, etc.
• Traveling to locations where there are dangerous illnesses/epidemics
• Traveling to countries with unstable political climate
• Traveling with children or seniors
• If you have a known serious medical condition such as a heart problem

Keeping these factors in mind, if you’re planning to drive or hike through different parts of the world, travel insurance comes in handy if you’re involved in accidents or robbery. In such situations, it’s a good plan to find a Mississauga personal injury attorney who can advise you about your rights.

Types of Travel Insurance

Not all travel insurance policies are the same. They are tailored to people’s requirements and needs. For normal holidays with friends and family that includes flights and hotel bookings, a low-cost travel policy would suffice. If however, there are issues which could suddenly flare up, then a policy that covers family emergencies would be ideal.

Travel policies also depend on frequency of travel. For a one-off trip, you can take a policy that covers just this one travel, but frequent travelers, business travelers and people who work in jobs that involve constant travel require annual coverage.

You can customize your travel insurance policy based on the destination/s to which you’re likely to travel. These policies are designed to be in sync with the facilities and financial nature of the countries that you’re traveling to.

Some policies are related to specific events, like accidents, flight accidents, car or vehicle rental, etc. and may be clubbed with medical insurance.

Medical insurance policies are different from the standard travel policy packages offered by insurance companies and they cost more. Additionally, some types of packages may not cover all types of medical treatment. Try to select a policy that provides global coverage for all kinds of eventualities like lost or delayed luggage, canceled trips etc as well as medical expenses. Look for benefits that are as close to the ones you receive at home.

Many insurance companies offer discounts and special deals. Study these carefully before choosing one of them, since they may not be as economical as a regular package. Our free consultation injury lawyers can help you understand your insurance plan.

How We Can Assist

Our experienced Mississauga personal injury lawyers can assist you if you suffer harm or injury as a tourist while traveling. Our accident injury attorneys available 24×7 can evaluate your claim and provide you with a genuine and swift assessment of your case. We can ensure that all communication with insurance companies is done by our Mississauga injury lawyers available round the clock, who are well-versed in insurance rules and regulations.

If you, your family or a friend has been injured in an accident, please feel free to speak to one of our injury lawyers for a free consultation about how we are able to assist in making a personal injury claim. We consult in all cities across Ontario with a no win no fee guarantee. Our personal injury lawyers have helped victims secure millions of dollars in personal injury cases. Call us Toll Free On our 24/7 Injury Hotline: 1 – 844 495 7333 or Text a Personal Injury ‎Lawyer 24/7 and get instant help.TM (416 931 5015)