Travel Insurance

Discussion in 'Canadian Trip Planning & Community Board' started by disneyworldfamily, Jun 13, 2013.

  1. disneyworldfamily

    disneyworldfamily Mouseketeer

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    Do you get it? Who do you get it with? And what type of coverage do you get?

    I thought that we had travel coverage through DH's employer, but I was wrong. So I need to look into this.

    Any info advice is appreciated. Thanks!
     
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  3. Gina-Gina-Bo-Bina

    Gina-Gina-Bo-Bina DIS Veteran

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    We got a decent rate and a comfortable amount of coverage through Desjardins Financial for our Christmas trip.

    Manulife offers a good policy if you need to be underwritten for any reason (pre-existing conditions you want to ensure are covered).

    CAA offers travel insurance if you are a member. American Express has a travel insurance program as well. We have also purchased travel coverage through the Royal Bank in the past.

    We just recently upgraded to a new Visa card which offers travel insurance (medical, trip cancellation and trip interruption) so that's what we are using this trip.

    We tend to travel either during the winter or during hurricane season, so we always get the emergency medical plus the trip cancellation and interruption coverage. It might be kind of pricey, but it helps me to sleep better at night! :)
     
  4. abdmom

    abdmom DIS Veteran

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    I was able to get travel insurance through my bank. Full year for the whole family was $140.
     
  5. CdnCarrie

    CdnCarrie DIS Veteran

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    I have health insurance through my work benefits. For trip insurance I pay a fee on my mastercard.
     
  6. Kogo Shuko

    Kogo Shuko There is no Kogo Shuko, only Zuul.

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    I always get my travel insurance through CIBC as I have a VISA with them. It's never cost more than 30 bucks for the entire trip, which is nice.

    They can get it to you quicker than my actual insurance company (Johnson's Insurance), so I always tend to go with them.
     
  7. Gigi22

    Gigi22 DIS Veteran

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    As retirees, DH and I were able to get annual travel insurance to top up the existing out-of-province medical insurance we have as part of our retirement benefits. Just saying, you might want to look at the fine print on your existing policies and see if you can top them up or add on travel insurance. For the entire year for the two of us, the cost is less than $200, which is less than I have paid to ensure one 10 day trip through RBC.
     
  8. JenluvsDisney

    JenluvsDisney Mouseketeer

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    We use Sanderson Travel (1-877-226-8728). We usually go for about 10 days and coverage for our family of 4 is usually less than $50. You can make all the arrangements over the phone and they'll e-mail you the forms that same day if you're in a hurry or they can send by fax or snail mail if preferred.

    We had to use the insurance once when my son needed to see a doctor for an ear infection and had no hassles or issues at all.

    Usually when I phone the toll free number I get a message to leave my name and phone number. I've always gotten a return phone call that same day (and usually within the hour of leaving my message).
     
  9. CerysG

    CerysG Mouseketeer

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    CAA has it and we got it through them last time but its crazy expensive...something like $700!!! This time I'm getting it through my mastercard and its $80! Don't know what you get that's so much better for the price at CAA but I don't think I need more then what I'm getting through Mastercard. DH and I both have health through out work but that's something I would never go to the US without. You can also get medical through CAA and its not a bad price for that. I think places like Blue Cross and the like also carry travel medical insurance.
     
  10. Gina-Gina-Bo-Bina

    Gina-Gina-Bo-Bina DIS Veteran

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    This must be for medical insurance coverage only. I just ran a quote with the company you referenced that included trip cancellation and interruption and its $560 :faint: . And our family has one less person and one less day's duration.
     
  11. Manateemum

    Manateemum Mouseketeer

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    We have international health coverage for the family through my husbands work. However, when we went to Florida in Feb, I wanted trip cancellation/interruption in case of weather, illness, etc, as the package we bought was completely non- refundable. The best price I found was from RBC insurance. It was just under $300 for 4 of us.
     
  12. Mickey1Fan

    Mickey1Fan <font color=magenta>He had five fingers and was we

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    We always use RBC.
     
  13. MedicGoofy

    MedicGoofy DIS Veteran

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    I'm another fan of RBC. Use them for yearly coverage, so don't have to pay per trip.

    I had to use their coverage for my last trip, and they were wonderful to deal with! Very helpful and accomodating.
     
  14. disneyworldfamily

    disneyworldfamily Mouseketeer

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    For those who have said they are paying less than $100, that is just either medical or trip cancellation and not both, right? I'd be looking at getting both since we are traveling during hurricane season.

    What is a decent price for both? 2 adults, 2 kids, no medical issues.
     
  15. Gina-Gina-Bo-Bina

    Gina-Gina-Bo-Bina DIS Veteran

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    Try Desjardins. Our rate was about $250 for our family of 3 for our Christmas trip.

    I just ran a quote based on our dates for this August, and again it came up at $250 (that's out of country health care + trip cancellation & interruption).

    http://www.desjardins.com/en/particuliers/produits_services/assurances_personnes/voyage/index.jsp

    24/7 Assistance Service INCLUDED
    Emergency Health Care $5,000,000 per traveller
    Bggages $1,500 per traveller
    Accident while aboard an aircraft $500,000 per traveller (loss of use or death)
    Accident while travelling $100,000 per traveller (loss of use or death)
    Cancellation / Interruption
    Traveller 1 (age 42) $1,000*
    Traveller 2 (age 39) $1,000*
    Traveller 3 (age 17) $1,000*

    Your price for this trip
    $250.52 Total price (including applicable taxes)


    We liked this particular company as the emergency health care maximum is $5 million.

    Your rates will be different, of course, based on your ages, the # of people in your family, the length of your trip, and the cancellation/interruption values for each family member.
     
  16. abdmom

    abdmom DIS Veteran

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    For my $140 per year through Meloche Monnex, my family gets both trip cancellation and medical insurance.

    Unlimited trips of up to 60 days outside your home province for clients age 59 or under.
    Unlimited trips of up to 30 days outside your home province for clients age 60 or over (can be extended).

    Hospital and medical expenses covered for up to $5 million.

    This coverage includes:

    Emergency Air Evacuation
    Diagnostic & Paramedical Services
    Prescriptions.

    No age limit, no medical questionnaire.
    Free international assistance, 24 / 7.
    Trip cancellation for medical reasons, unforeseen work transfer, involuntary loss of permanent employment, or because trip destination becomes uninhabitable: up to $2,500 per insured / $5,000 per family.
    Trip interruption, up to $5,000 per insured.
    Treatment of dental accidents, up to $5,000.
    Child care benefit in case of hospitalization, up to $2,500.
    Transportation and assistance in the event of claims to your vehicle or home insured through TD Insurance Meloche Monnex: up to $5,000.
    Incidental expenses while hospitalized (e.g. phone, TV fees): up to $50 per day, maximum of $1,250.
    Transportation to bedside (1 person): up to $5,000.
    Return of a deceased person, up to $10,000.
    Exclusions for pre-existing medical condition.
     
  17. disneyworldfamily

    disneyworldfamily Mouseketeer

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    Thanks for the suggestions! I'm going to get quotes and go from there. Thanks again :)
     
  18. minnie56

    minnie56 <font color=magenta>Whatever it is, he said it is

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    Okay first of all...with RBC-CIBC etc the cost is dependant on the $$ value of the trip, duration plus ages of all travelling members factored in so it will vary.

    I have a travel policy rider on my homeowners with Intact called Travelwell 30. Covers my family of 4 for unlimited trips up to 30 days duration-2M per person.
    I've had need to claim twice and it was effortless with all money refunded. I 'think' homeowners policy must be with Intact to be able to add. Nice to know-even when I cross border shop for the day I am protected. I hear a lot of horror stories.

    Cost is just over $200 a year for us all.

    :)
     
  19. bankr63

    bankr63 DIS Veteran

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    Same reason I have a separate policy. We have a travel medical annual policy through TD Insurance for $177/year for family of four. Covers trip cancellation, doesn't matter what card I put it on. Covers medical on any out of country trip including those trips where we drive down for shopping or camping; you don't have to have charged anything to a card for the coverage to be active, or remember to get coverage if you don't have a credit card policy.
     
  20. Sue M

    Sue M DIS Veteran

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    We have an annual policy with Blue Cross, for my adult daughter & it's $118, and covers trips up to 30 days in length. I have Trip interruption,delay, baggage, etc with my visa. I also have medical but never trusted it, and I'd have to add on anyway since we go away longer then 2 weeks. So I'll use their trip insurance, but stick with Blue Cross for medical.
     
  21. Sue M

    Sue M DIS Veteran

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    We used to have that and it was cheap, but when my husband turned 60 price skyrocketed, so we canceled it :(
     

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