Friday, 30 August 2013

Many types of travel insurance coverage, but which one do you need!

What types of travel insurance do you need?

Well, It depends on a couple of things, such as your destination, the duration and how you will get there.   For example, if you plan on traveling by air, Trip cancellation & Interruption coverage could be a good idea.  You might need to rebook or buy new tickets due to illness or weather.  This protection will help you get back most expenditure that would be otherwise non-refundable.

Here are the Top 5:  Travel Insurance Coverage

1.    Trip cancellation/interruption

2.    Travel emergency medical

3.    Major medical

4.    Emergency medical evacuation

5.    Accidental death/flight accident

Either you are travelling in or out Canada, packages are available to suit all travellers, no matter where you are going and how long.   Did you know their are protections available for as low as 15$.

On the spot quotes for  cheap medical travel insurance  are available to make you travel insurance shopping quick and easy.  Check what are all your options and what offers you the best protection available you need.  Talk to a Travel Insurance Specialist.

Happy Travelling...from #OptimalTravel !

Wednesday, 21 August 2013

What made your list for this trip?

Pack you Travel Insurance: 

Make sure it’s on your list!

Expect the unexpected!  No one wants to think that our travelling plans could change in a heartbeat. 

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. 

When should you need travel insurance?

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.

Out of Canada:
Every time you leave Canada.  Never be caught naked, without your own medical insurance.  We all hear it; how expensive is medical services out-side of Canada, 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 !

Sunday, 18 August 2013

Discount for Travel Insurance?

Do you qualify for a discount? 

Buy early, and save!!!

There is a lot of provider that offers early bird discounts  on their policy, if they are purchase before a certain date!

We have providers that will offer up to 6% if you buy early.  So on a policy of 1200$, you can be talking as much as 72$.  This is not to shabby!  

For most, even if you need to change de dates of travel, from a few days they will accommodate and still honour the discount.

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

Happy Travelling...from  #OptimalTravel !

Friday, 16 August 2013

Really, shopping for Travel Insurance...?

Did you shop for your 

Travel Insurance Coverage this year?  

Yes, like we shop for household thinks, car, vacation, etc...; we should also shop for Travel Insurance.  

I am always astonish when we shop the market for clients, how broad is the range in quotes, especially for people over 60 years young.  This is mainly due because all company have different medical questions and underwriting process.  Meaning, if you have little health issues, most company have 2,3 and even 4 tiers in pricing.

So how to get the best insurance deal, well talk to a travel insurance broker.  You will be ask basic health questions, from there they will shop the market without being bias in there recommendation.  They will bring options to work with to get you the best coverage.

Here is another great example in Travel Insurance Quote:

We did 4 quotes* for a Lady age 72 with some heart problems, leaving for Florida for almost 6 months:
  •  Quotes came in at 4416$, 3460, 2466$ & 2152$.
We recommended TourMed @ 2466$.  To be fully covered from any preexisting medical issues, including Heart.
Did you shop your Travel Insurance..get your free instant quote!

Happy Travelling...from  #OptimalTravel !

(* Quoted with: Blue Cross Travel, TourMed, GMS & TIC)