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Meet our own, Travel Insurance Expert! @TripCoverage

Travel Insurance for Canadian Travellers, Canadian Snowbirds & Visitors to Canada including Super Visa Insurance and Working Visa Insurance. 

** We specialize in Pre-existing conditions. 

Speak with an Expert at Optimal Travel!

Happy Travelling from Optimal Travel™!!

Learn more about OptimalTravel.ca!  

Where to buy Travel Insurance?

Travel Insurance, making the right choice!

Cost is always a concern, but insurance advice is often more important than insurance price.

2 ways to buy insurance

1. In person from a licensed insurance agent or broker
2. Online or by phone from a licensed insurance agent, a broker or an insurance company

Get advice

You might be able to get a cheaper insurance quote online, but advice is critical. Especially if you have pre existing condition.  We would say that advise is even more then critical.  You or your family could suffer financially if you are under-insured or not fully covered.

Find an adviser or agent that specialized in travel coverage, their main job, is dealing with Travel Insurance.  Offering travel insurance, does not make you a specialist in the filed.   Get their advice on what types of insurance you need – and how much to buy. 

In most cases, the cost of the advice is built into the commission they earn on the sale of insurance to you.

IMPORTANT: Confirm if your agent is licensed, hard to believe, not all are licensed.

Happy Travelling...from #OptimalTravel !

Looking for Travel insurance?

Who can offer Travel Insurance in Canada?

Who can sell Travel Insurance in Canada?

• Brokers
• Direct Agents
• Travel Agents

Broker or Agent: What’s the difference?

• Some life insurance agents work for just 1 insurance company.
• Other life insurance agents work for insurance brokers who can quote prices and tell you about products from a number of insurance companies.
• All licensed agents are trained to assess your insurance needs and must follow a code of ethics that puts your insurance needs first.

If you want to make sure you get the right coverage, we always, in ALL cases, that you speak to a LICENSED agent or broker.  

Would you let a Dr. operate you if he wasn't licensed...?  Well, we believe the same should be true in the insurance.  Why would you take advise from a non licensed provider....?

Make a wise decision, Travel coverage are not all the same!

IMPORTANT: Confirm if your agent is licensed, hard to believe, not all are licensed.

Happy Travelling...from #OptimalTravel !

What's important questions to ask, for Travel Insurance...?

** 3 questions that should be on top of your list:

IMPORTANT questions to ask when assessing a Travel Health Insurance Plan:

• Covers pre-existing medical conditions. Get an agreement in writing that you are covered, or you could find your claim “null and void” under a pre-existing condition clause.

• Provides direct payment of bills and cash advances abroad so you don’t have to pay out of your own pocket.

• Covers emergency transportation, such as ambulance services and does not exclude or significantly limit coverage for certain regions or countries you may visit.

Here is a few more FAQ on Travel Insurance Coverage.

Happy Travelling....#OptimalTravel!

Medical Questionnaire & pre existing condition in Travel Coverage

What if something goes wrong...?  

If you travel; you might want to watch!

http://www.cbc.ca/marketplace/2012/trippedup/index.html

(Copy & paste to watch)

* CBC took " Travel Insurance " seriously enough to do an undercover report!!!

We believe that knowledge is Power.  

Happy Travelling....#OptimalTravel

BEWARE: Are you travelling out of province?

When should you need travel insurance?

Every time you set foot out side your province of residence!

It’s likely, that you probably spend a lot of time, effort and money planning your next vacation, now you have to make sure that all aspects of it are covered. 

Out of province:

Every time you leave your home province.  In Canada, most provinces have an agreement to accept out of province health plan.  But if you are travelling in Quebec, expect to have to pay for expenses out of pocket, and then get reimburse.  To be noted that NOT ALL expenses will be reimburse, and you will be responsible for the balance.

So, no need to find that out on a trip.  Either you are leaving for 1 day or 6 months, no need to take the risk.  

Medical Travel Insurance coverage is a must, every time you travel!  Not worth the financial risk!

Happy Travelling...from  #OptimalTravel !

EXPIRED? NEED TOP-UP INSURANCE?

Expired Medical Travel Insurance? 

Staying longer then anticipated!

Sometimes, plans doesn’t go as planned.  Expect the unexpected!  No one wants to think that our travelling plans could change in a heartbeat, but they do. 

Your vacation was that awesome, that you decided to stay longer…but what about you medical insurance; will it permit you to change your plans?  Or will you have to come back home as planned?

Most travel insurance companies will not accommodate those changes.  For most, you need to be in Canada to buy medical insurance.  They will not change your policy date or protection; if you are still out-side of Canada.  So for most travellers, this could mean the end of thinking of changing their plans.

But they are some insurance companies that are willing to assist you.  Even if you didn’t’ purchase your insurance policy with them, or even if you had you policy as part of your group insurance at work.  They will offer top-up travel insurance coverage.

Happy Travelling...from #OptimalTravel !