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A man purchasing travel insurance from a broker.

 

6 Questions to Ask Before Buying Travel Insurance

Traveling is always exciting, but it also comes with uncertainties. Having Canadian travel insurance can provide peace of mind, allowing you to fully enjoy your trip without worry. However, choosing the right policy can seem overwhelming. To help you make an informed decision, here are key questions to ask your travel advisor before purchasing travel insurance.

1. What Does the Policy Cover?

Understanding the coverage details is crucial. Be sure to ask about:

  • Trip cancellation and interruption coverage
  • Emergency medical expenses
  • Lost, stolen, or delayed baggage
  • Travel delays and unexpected expenses

Review the policy wording carefully to ensure it meets your needs.

 

2. Does the Policy Cover Pre-Existing Medical Conditions?

If you have a pre-existing condition, it’s essential to clarify whether it will be covered. Some policies provide coverage under specific conditions, while others exclude pre-existing conditions entirely. Disclose any medical history to your insurer and ask your travel insurance advisor to review the policy for limitations and exclusions.

 

3. Are High-Risk Activities Covered?

If your travel plans include adventure sports or activities such as skiing, scuba diving, or zip-lining, ensure your policy includes coverage for these high-risk excursions. Standard policies may exclude certain activities, so discuss your itinerary with your travel insurance provider to find the best coverage.

 

4. Is My Policy Time-Sensitive?

Many travel insurance policies have a specific coverage period, which means they may not automatically extend if your trip is delayed. Ask about extension options in case of unexpected flight delays or prolonged stays. Confirm how to extend coverage if needed before you travel.

 

5. Are Flight Delays and Interruptions Covered?

Flight delays and cancellations can disrupt your travel plans. Ensure your policy covers:

  • Compensation for rebooking flights
  • Additional accommodation and food expenses
  • Coverage for missed connections due to airline delays

Clarify whether your insurance will transfer to new travel dates if your trip is rescheduled.

 

A man realizing that his flight has been cancelled, demonstrating the importance of trip cancellation insurance.

 

6. How Do I File a Travel Insurance Claim?

Knowing how to file a claim can save you stress in case of an emergency. Ask about:

  • The required documentation
  • The claim submission process
  • The time frame for claim processing

A smooth claim process ensures quick reimbursements, making your experience hassle-free. Our Canadian travel insurance team at Travel Guardian is here to assist you every step of the way.

For more information or to find the best travel insurance for your trip, contact us at 1-888-831-9338.