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Old 12-12-2012, 10:34 PM   #1
petbren
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Canadians and Travel Insurance

Pay in full date coming up.
A bit overwhelmed about getting travel insurance.
We have health coverage through DH's work, but looking for cancellation,interruption, etc. insurance. We are CAA members.
Any fellow Canadians with suggestions?
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Old 12-13-2012, 03:50 AM   #2
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I purchased mine through my travel agent after confirming what my work health plan and visa would cover. CAA probably covers something.
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Old 12-13-2012, 04:59 AM   #3
BlakeandMaddysMomma
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We went with the Disney insurance simply because if you have to cancel for a reason that is not covered, you still get a credit for the full amount to use towards a future cruise.
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Old 12-13-2012, 06:23 AM   #4
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Hi,

We've always used RBC (Royal Bank), we've never needed to make a cliam, but they seem to have good coverage and the price is very reasonable.

John
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Old 12-13-2012, 06:35 AM   #5
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We use insuremytrip.ca and choose the best option for us for that trip. Also heard good things about RBC.
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Old 12-13-2012, 08:13 AM   #6
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Our TD Visa covers us for all of that .... call your Visa provider and see what they offer .... sometimes you will have to change from a free card to a card that charges an annual fee but the perks are generally worth it. For example, my card has a fee (but I tie it in with my service plan on my bank account so it is waived) but I also earn travel points. I use my card for most everything I purchase so on our Disney cruise this past May, I cashed in $1200 in points to put towards my vacation. And right now, I am already back up to $500 worth in points. So my card has lots of great perks incl the insurance as long as I book my trip on my visa.
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Old 12-13-2012, 08:39 AM   #7
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Both times we've used disney insurance.
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Old 12-13-2012, 12:27 PM   #8
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We're in the same situation as you (health through DH's work) and we always use Disney insurance because of the option to cancel for any reason and receive a credit towards a future cruise. It's expensive but provides peace of mind.
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Old 12-13-2012, 12:35 PM   #9
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Unless you book flights with disney their insurance is only for the cruise part. So don't forget to factor in the extra insurance there.

We too have health through my husband's work, but over the years it has changed. It's not the coverage it was 10 years ago! I am glad I checked with the company directly. No doubt my husband was informed of the changes, but I often don't get to see those notifications!
Just check you have the travel medical coverage you think you have.
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Old 12-13-2012, 08:09 PM   #10
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you could always see what your bank offers you. BMO has a few insurance plans on their website.
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Old 12-13-2012, 08:36 PM   #11
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Quote:
Originally Posted by JennyT2 View Post
Our TD Visa covers us for all of that .... call your Visa provider and see what they offer .... sometimes you will have to change from a free card to a card that charges an annual fee but the perks are generally worth it. For example, my card has a fee (but I tie it in with my service plan on my bank account so it is waived) but I also earn travel points. I use my card for most everything I purchase so on our Disney cruise this past May, I cashed in $1200 in points to put towards my vacation. And right now, I am already back up to $500 worth in points. So my card has lots of great perks incl the insurance as long as I book my trip on my visa.
Credit card insurance policies almost always have a max amount though - we have a gold VISA, and we are maxed at $4800.00 (it is a per person amount), so when our trip is worth more than that, we have to purchase additional insurance to cover. Also, as mentioned, the entire trip must be paid for on the same credit card in order for the insurance policy to be activated.

It is important that anyone relying on credit card insurance (we have done it many times as we know our policies very well), know their policy limitations very well.

Incidentally, RBC has fabulous insurance plans.

Tiger
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