Should I buy Travel Insurance?
Travel Insurance is essential in our experience. The costs you can incur before and during your travel can far outweigh any premium you pay initially for the coverage. A simple visit to the infirmary on a ship can easily exceed the cost of your insurance protection. An interrupted trip due to illness and a one way fare back home, with all associated medical costs can be very expensive. A twisted ankle the day before your cruise, could cost you the whole cruise. A parent or family member, becoming ill prior to your departure, could cost you your vacation.

It happens all the time. Travellers try and save a little on their insurance costs and end up paying a significant amount more.

Peace of mind, knowing you will get your money back and not suffer through potentially crippling medical costs, can be available to you at very little cost.

Important note about your Travel Insurance:
The purchase of Travel Insurance is required at the time of booking or prior to any cancellation penalties imposed by the cruiseline or hotel/tour supplier in order for you to have complete coverage. Failure to purchase insurance at this time will limit the insurance protection available to you.

Why Travel Protection?
Traveling is usually exciting and fulfilling, but it can also be very expensive should the unexpected occur when you are far away from home. Sickness or injury, travel delay, baggage loss, or worse can happen when you least expect it. Medical costs have risen dramatically and even countries with subsidized National Health programs may now require payment in full from foreign visitors for emergency medical services. At the same time travel suppliers such as airlines, cruiselines and tour operators worldwide have made tightened up cancellation policies to make them more restrictive, so if you have to cancel a trip it's likely that a substantial portion of your pre-paid travel expenses will not be refunded and if you have to cut short a trip part way through; a last minute, one-way economy fare return-flight is likely to be more costly than ever. As well, the reality of global terrorism, increased travel industry bankruptcies, global economic instability, and the overall unpredictability of life today causes most travelers to look for ways to protect themselves from the financial risks associated with travel.

As a result, the knowledgeable traveler purchases travel insurance to protect against the potential of staggering financial costs resulting from crises such as the cancellation of a big trip due to death or illness of a family member or a required emergency medical evacuation.

Travel Insurance

To view our Manulife travel insurance Policy click here.
To view our Access America travel insurance Policy click here.

Travel Insurance can include the following benefits:

Cancellation
If you cancel the trip for reasons beyond your control.

Curtailment
If you need to return home for reasons beyond your control.

Travel Delay
If the aircraft or ship does not depart within the time span specified in your policy.

Missed Departure
If you miss your departure, will cover necessary hotel and traveling expenses.

Personal Accident
If you should suffer an accident and left permanently disabled or lose a limb or eye or if the accident causes your death.

Medical Emergency
Whilst abroad if you become ill, suffer an accident and require medical treatment.

Hospital Benefit
If you are taken into a hospital abroad.

Personal Baggage, Delayed Baggage, Personal Money
If your clothing, suitcases and other personal effects are stolen, lost or damaged.

Loss of Passport/ Driver's License
Costs of replacement if your passport or driver's license is lost or stolen.

Personal Liability
If you injure somebody or something is damaged due to your negligence.

Legal Expenses
If you need to take legal action against any person, who as a result of accident, causes you injury during your trip.