Monday, July 9, 2012

The Four Most Important Reasons to Purchase Travel Insurance

More and more people are choosing to go down the budget route when it comes to traveling right now as almost everyone is feeling the pinch of the recession. One way that some people are choosing to cut back on the cost of their trip however is to take said trip without travel insurance. Can this save you money? It certainly can, but unfortunately, it can also end up costing you hundreds of times what you are saving. I will now outline a number of reasons why travel insurance should be moved to the essential category when you are listing what you can drop and what you cannot, for your next trip.

Unfortunately, regardless of how care free we would all love to be, most of us are a little neurotic at heart. And there is no way more sure to bring out your neurotic side than to travel without travel insurance. Unfortunately, regardless of what type of trip you are taking, some things can go wrong. And if you don't have insurance, most people find it very difficult not to worry about those things.

The most important reason to purchase travel insurance is probably the ridiculous cost of medical bills in many countries. Should you be heading to America for example, a serious stay in a hospital could easily lead to bankruptcy if you are not insured. And there is not just the financial aspect of getting injured on holiday. Could you really handle the stress should you have to deal with an injury, a foreign hospital and financial pressures all at the same time?

One of the most commonly claimed elements of travel insurance policies is lost luggage. Not only can a trip take a pretty serious nosedive in terms of pleasure when you lose your luggage, but it can also be a pretty expensive problem. If your airline loses your luggage at the start of your holiday, you are going to have to purchase everything again should you want to actually enjoy yourself. Travel insurance ensures that you can do so without returning home to massive credit card bills.

Regardless of how well you plan your holiday, unforeseen events can occur that would lead to you being unable to head off. Travel insurance protects you if you are unable to take your holiday because of one of a number of common reasons. Eventualities that travel insurance protects against include serious illness, a death in the family, jury duty or an important exam needing to be retaken. And should you find that the destination that you are planning on heading to happens to be experiencing weather that would make your trip unwise, you can stay at home safe in the knowledge that your travel insurance also covers cancellation due to extreme weather conditions.  

Thursday, April 26, 2012

Why You Need Travel Insurance

Why You Need Travel Insurance

Travel insurance is highly important if you are going on holiday and it is a serious mistake to consider going anywhere abroad without it. Many people however aren’t completely familiar with the purpose of travel insurance, nor why it is so crucial – and so here we will look at the answers to those questions and analyse why you need it and what it will cover.

First of all, one reason you get travel insurance is in case you should end up not actually going on your holiday. You might think that this is unlikely, but there are many things that can lead to your being unable to leave. For instance it may be that the plain is unable to fly, in which case you will need to rebook your hotel and may be unable to make the new date. Another reason you may be unable to go on holiday could of course be that you yourself have fallen victim to an illness or an injury. It doesn’t take much to prevent you from being able to go on your holiday, and if you should end up with gastric flu or a broken limb then this will mean you are unable to fly and again mean you have to cancel your flight and your hotel.

With travel insurance and specifically cancellation insurance this won’t matter quite as much. Of course it will still be a big shame if you are unable to go on your holiday when you expected, but it will be a much bigger shame if you don’t get your money refunded as that will probably mean you end up not being able to afford to go at a later date. Use travel insurance and cancellation insurance and you will get all of your money back, which you can then put into a later holiday.

Of course that’s not the only thing that travel insurance can help you with. Another situation where you might need travel insurance for instance would be when you end up having to spend more money than you planned while out there. This can happen if for instance you end up having to stay at a different hotel for whatever reason, or if you end up staying longer. If your flight is delayed and you need to stay there an extra 24 hours, or even longer, then you will have the choice of remaining in the airport for that entire time (not great if you have a family) or of using travel insurance in order to book a new room so that this can actually end up being a good thing as far as your enjoyment goes.

There are many other reasons you might end up spending more or losing money on holiday. For instance you might lose your luggage which is a common occurrence when travelling. More importantly though you may injure yourself – and if you are going on holiday to ski or otherwise partake in activities then travel health insurance becomes even more important. There are many other situations too where you may need travel insurance and that’s the point – you can never predict this.

Sunday, March 4, 2012

Parent and Grandparent Super Visa

The Super Visa is a multi-entry visa that will provide multiple entries for a period up to ten years.

Currently, Visitors to Canada usually may only visit for six months at a time. Most visitors who wish to stay longer must apply for an extension, and pay a new fee, every six months. With the Parent and Grandparent Super Visa, eligible parents and grandparents will pay fewer fees and have some certainty that they will be able to enjoy the company of their families in Canada for a longer period of time.

Parents and grandparents of Canadian citizens and permanent residents have a new option for visiting Canada. As of December 1, 2011, you may be eligible to apply for the Parent and Grandparent Super Visa and enjoy visiting your family in Canada for up to two years without the need to renew your status.

Canada does not pay for hospital or medical services for visitors. Make sure you have health insurance to cover any medical costs before you come to Canada.

To apply for the Parent and Grandparent Super Visa, you must:

•Be the parent or grandparent of a Canadian citizen or a permanent resident of Canada.
•Be found admissible to Canada.
•Meet certain other conditions.
In addition to being found admissible to Canada, the parent or grandparent must also:

•Prove that they have bought Canadian medical insurance coverage for at least one year.
Super Visa Insurance requirements
Applicants must submit proof that they have purchased Canadian medical insurance that:

•Is valid for a minimum period of one year from the date of entry to Canada.
•Provides a minimum of $100,000 in coverage.
•Covers the applicant for health care, hospitalization and repatriation.
Plan Highlights
•Lowest Premiums - $100,000 or $150 000 coverage, Deductible available.
•100% refund - If no Visa is granted for any reason.
•You get to choose - start date for the plan and you can always change effective date before start of coverage.
•Partial Refunds available in case beneficiary decides to go back sooner than one year.
Complete the Personalize Quote Form Below and a licensed agent shall discuss your needs, answer your questions and you are under no obligation.

We are insurance representatives offering insurance plans from Companies like RBC Travel Insurance, TIC Travel Insurance, Travel Guard, etc. We work in the best interest of our clients offering insurance policies that best suit your needs at lowest possible premiums.