GARYANDLANA

You may even believe that travel insurance is an unnecessary expense. By now, anyone who has read articles about travel insurance should have some idea of the importance of taking out holiday insurance, no matter whether it is for a short city break, or round-the-world trip. Many people are unaware that most insurance policies also provide cover for travel within your own country of residence, usually with the requirement that accommodation for two or more nights has been booked in advance.

The cost of travel insurance is tiny compared to the potentially astronomical costs if things should go horribly wrong. It covers a range of travel-related problems, such as:

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With Canada so close to the US, it is easy to forget that Canada is another country and even though we feel at home when we go there, there are formalities one must have in mind – like having a travel health insurance because the American healthcare system does not pay for treatment outside the US.

There is hardly anything special in purchasing a travel health insurance plan when going to Canada that is very different from doing it for any other part of the world. Maybe one difference is that Canada has a high standard of living and therefore you can reasonably expect that there, like at home, medical and dental services will be more expensive than those in some Third World countries. And this is one more reason to look for the best, not the cheapest travel health insurance plan.

As far as money is concerned, a regular basic plan usually provides coverage for you and your family amounting about $50,000 CAD (about USD 43,000), which is usually enough to cover ambulance service, laboratory examination, doctor’s fees, a short stay in the hospital, etc. But if you are afraid that this is not enough, there are companies that offer over USD 1,000,000 as coverage. And if you go to ski in Calgary, for example, or go on a fishing trip to Ontario, do not let a broken limb ($400-500 with therapy, crutches, etc.) break both your mood and finances.

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