Comprehensive travel insurance in Quebec
Who doesn’t dream of a carefree holiday, especially when you’ve decided to go to an off-the-beaten-track or little-known destination? Since things don’t always go as you planned, you feel vulnerable if the unexpected happens. Since we cannot predict the type of hazards that could occur, prevention is better than cure. Hence the need to take out multi-risk travel insurance.
What risks are covered?
Multi-risk travel insurance allows you to insure a person and their belongings throughout their trip. You use it in the event of cancellation or interruption of the trip due to illness, accident or natural disaster during the stay abroad. In these cases, travel assistance insurance and possibly repatriation insurance are necessary.
In addition, delays or failure to show up for boarding a means of transport such as plane, boat or train are also covered by the insurer.
Comprehensive insurance also covers unforeseen events caused by the loss, theft, delay or damage of the insured’s luggage or other property during the trip.
What benefits for all these risks?
With a ceiling calculated per person or per group, multi-risk travel insurance covers the costs of cancellation or interruption of a trip. The insurer is also responsible for providing assistance and advice to the insuredin the event of a claim, as well as for arranging repatriation in the event of death and for covering the associated costs.
Multi-risk insurance also reassures travellers in the event of a delay or change in the dates and times of departure of their means of transport, by reimbursing the costs incurred by the insured, such as overnight stays in hotels, meals and various transport tickets. Note that most insurers offer this insurance per trip or per year, depending on the needs of the traveller.
*Always consult a certified representative. Text for illustrative purposes only.
What is travel insurance used for?
To cover emergency medical expenses outside Quebec/Canada, trip cancellation/interruption , luggage, delay and sometimes car rental insurance. It protects your budget and your access to care.
Does the credit card offer sufficient travel insurance?
Credit card coverage is often limited (duration, amount, exclusions). Dedicated travel insurance provides more comprehensive coverage, including medical evacuation and cancellation. Check with the Government of Canada — Travel Insurance before you go.
