by Mary Wimmer
When it comes to travelling, insurance can be the least sexy part of planning a trip. Compared to browsing glossy-paged destination brochures, perusing the legal particulars of an insurance package is decidedly much less glamorous. But purchasing the right travel insurance package with the best coverage is probably the most important part of trip planning. And that’s not just because you’re on the hook for medical bills when travelling outside of Ontario, but also because of the potential financial costs of either having to cancel your trip or having it unexpectedly interrupted.
Trip Cancellation and Trip Interruption are two insurance products designed to protect you from a range of complications that can put the kibosh on your travel plans.
Trip Cancellation reimburses you for situations that could force you to cancel your trip before you depart, like your basement flooding or losing your job. Trip Interruption protects you from having to return home suddenly and reimburses you for the unused portion of your trip that you’ve already paid for. It sets in the moment you are on route to your vacation destination and lasts for the duration of your trip, protecting you from anything that may cause you to have to cancel the rest it. This includes everything from a road closure delaying your drive to the airport that causes you to miss your flight, to a family member unexpectedly passing away.
These things may still happen, of course, but you’ll save yourself a few headaches and won’t potentially lose the financial investment you’ve made in your trip in the process. That’s why purchasing both Trip Cancellation and Trip Interruption should both be purchased before your trip – especially if you fall into any of these categories:
If you have aging parents or relatives than it is especially important to purchase Trip Cancellation and Trip Interruption insurance because you want to ensure that you can drop everything—including your trip—if they get sick unexpectedly.
Planning a family vacation to Mexico or the Caribbean when the kids are off school this summer? Remember that hurricane season in the region officially runs from June 1 through November 30 every year – and the weather is always unpredictable. Trip Cancellation and Trip Interruption will give you the peace of mind to enjoy your holiday, free from weather worries.
Unfortunately, no matter where you visit there is no place in the world that is completely free of crime. Protect yourself from having your passport stolen with Trip Interruption insurance, which can cover transportation costs to get you to the nearest Canadian consulate for new travel documents in the event that this happens.
Cruise ships must stick to a rigid schedule and can’t afford to wait around for passengers arriving late from a flight. If your flight happens to be delayed due to a mechanical failure or bad weather, Trip Interruption insurance will pay for any fees for booking new flights so that you can catch up with your ship ASAP.
Remember that CAA Travel Insurance2 offers coverage benefits that go far beyond what you may be offered through credit card plans or group plans. No matter where you choose to go, CAA has travel insurance options designed to protect you against the financial impacts of illness, emergencies and unexpected mishaps on your trip. Even better, CAA Members SAVE 10%3 on their insurance policy.
So, click here to get a quote or visit your nearest CAA Travel Store for more details. You can also call our Travel Services Call Centre at 1-800-267-8713 to get on your way to a holiday with the best peace of mind that money can buy!
1 Refer to Policy as this covered loss is subject to terms and conditions. You must not know (nor be aware of) any reason, circumstance, event, activity or medical condition which may eventually prevent you from starting and/or completing your covered trip as booked at the time of purchase of this insurance.
2 CAA Travel Insurance is underwritten by Orion Travel Insurance Company. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire may be required to purchase travel insurance. Quotes are valid for 30 days.
3 Applies to CAA Members in good standing (CAA Membership dues paid in full by membership expiry date). Ten percent (10%) savings applies to the total premium excluding applicable taxes. Minimum premium applies. Subject to change without notice.