Sometimes your trip doesn’t go as planned, but there are additional coverage’s you can purchase to help reclaim money already paid out should something prevent you from taking or continuing your trip. We offer the following coverages in addition to medical insurance.
Don’t be left paying the bills for a trip you never got to take! You’ve worked hard to save your money and spent hours researching your options. You finally settle on the perfect vacation. unfortunately you just received some unexpected news that means you will have to cancel that long awaited trip. Trip Cancelation coverage can help save you money should your trip be cancelled for an unforeseen event such as injury, illness or severe weather that halts your travel plans. Trip Cancelation can be purchased as a stand alone policy or as a package policy combined with Trip Interruption.
Don’t leave home without it! You never know once you start on your trip what unexpected even could prevent you from completing your journey. Don’t end up having to pay more for missed flight connections due to unforeseen weather conditions or medical emergencies that are out of your control. Trip interruption insurance will protect you so you can have a worry free vacation once you are on your way.
Can provide compensation for lost, damaged or stolen luggage including items such as clothing, baggage itself, and personal care items.
Trip Cancellation/Trip Interruption
65-year-old Female: Heart Condition and Diabetes
65-year-old Marie planned to take a cruise vacation, departing from Miami. She arrived the day before but was experiencing breathing problems, fever, and a cough. She was taken to the hospital and admitted for pneumonia. Marie’s condition deteriorated and she was put on a ventilator. Arrangements were made to return her back to Canada via air ambulance.
Upon review, it was noted that Marie didn’t purchase Trip Cancellation/Interruption. As a result, the cost of her cruise wasn’t covered. Also on the MHQ, Marie answered that she only took one medication for a heart condition. However, she should have answered three; two for a heart condition and one for Diabetes. Due to answering incorrectly, Travel Underwriters applied the $10,000 deductible, and was still able to reimburse Marie over $65,000.
Hospital Fees: $44,668.34
Doctor Fees: $3,628.41
Radiology Fees: $3,163.37
Ambulance Fees: $673.73
Air Ambulance Fees: $25,300.00
Provincial Medical: – $1,900.00
Deductible Applied: – $10,000
Amount Paid by Travel Insurance: $65,533.85
75-Year-Old Female: Hip Fracture Led to European Trip Cancellation
75-year-old Marge and 46-year-old Julie purchased a one week river cruise through Europe. They also extended their trip and purchased a week of land tours, accommodation and rail travel. Both Marge and Julie purchased Trip Cancellation when they first booked their trip. However, one month prior to departure, Marge fell and fractured her hip. Due to her injury, both women cancelled the trip. The accommodation charges were 100% refundable and both women claimed for the unused non-refundable portions remaining of their travel expenses.
Cruise Cost: $2,300.00
Each Return Airfare: $1,750.00
Each Rail Tickets: $156.00
Each Land Tours: $2,743.95
Each Amount Paid by Travel Insurance: $13,899.90
*These examples are based on actual claims with pertinent client information changed to protect privacy. Claims are subject to exclusions, limitations, and conditions. Please refer to policy wording for all coverage.