Travel Insurance: Your Essential Companion for Every Journey
Here at Harvard Western Insurance, we understand that travel is more than just getting from point A to point B; it’s about creating memories with peace of mind. That’s why our comprehensive travel insurance solutions are designed to protect what matters most, you and your travel investment.
Browse the categories below for more information on Travel coverage:
Navigating travel insurance with pre-existing conditions can be tricky. It’s crucial to understand how your policy defines “stable” and the required stability period for your specific condition, which can vary depending on your age. Depending on the stability period, insurance can still be available but sometimes at higher premiums or reduced coverage.
Always disclose your pre-existing conditions and carefully review the policy wording, or contact the insurance provider directly to ensure you have the coverage you need for peace of mind on your trip.
Emergency medical coverage kicks in if you experience a sudden and unexpected illness or accident during your trip that requires immediate medical attention. Here’s a breakdown:
- Emergency medical treatment: Includes hospital visits, medications, and other expenses incurred while receiving treatment for your illness or injury.
- Paramedical services: Ambulance transportation, services of nurses, and other allied healthcare professionals.
Visit Product Page ← to learn more!
Trip cancellation insurance reimburses you for non-refundable trip expenses if you have to cancel your trip for a reason covered by your insurance policy.
This can be a lifesaver if you have to cancel due to unexpected circumstances like illness, injury, or weather conditions.
Visit Product Page ← to learn more!
Trip interruption coverage in travel insurance kicks in after you’ve already started your trip and you need to return home early due to a covered reason. It helps you recoup the costs associated with cutting your trip short. Here are some examples:
- Medical emergency: You or a travel companion gets sick or injured and needs to return home for treatment.
- Family emergency: A close relative back home has a serious illness or death.
Visit Product Page ← to learn more!
Travel insurance for visitors to Canada is specifically designed for people visiting Canada who are not residents. Canada’s healthcare system, while excellent for residents, doesn’t cover visitors. So, if you get sick or injured during your visit, you could be on the hook for some hefty medical bills.
Visit Product Page ← to learn more!
Plan your trip with confidence using the Government of Canada’s official Travel Advice and Advisories.
This resource provides up-to-date information and recommendations to help you make informed decisions and stay safe while travelling abroad. Because safety and security conditions can change quickly, it’s crucial to check the Travel Advice and Advisories page for your specific destination regularly, both before you leave and during your trip. For more details, visit Travel Advice and Advisories – FAQ.
Emergency Medical Coverage: Protection When You Need It Most
Emergency medical coverage kicks in if you experience a sudden and unexpected illness or accident during your trip that requires immediate medical attention. Without adequate coverage, a simple medical emergency abroad could cost tens of thousands of dollars.
Trip Cancellation & Interruption:
Trip cancellation insurance reimburses you for non-refundable expenses if you need to cancel before departure. In contrast, trip interruption coverage helps if you need to cut your trip short after it’s begun.
Our policies typically cover cancellations or interruptions due to:
- Unexpected illness or injury to you or a family member
- Job loss
- Travel advisories issued by the Canadian government
- Unexpected jury duty or court appearances
- Death or hospitalization of a family member
Pre-Existing Condition Travel Coverage:
Navigating travel insurance with pre-existing health conditions can be complex, but our advisors specialize in finding solutions that work for your specific situation.
Key factors that determine coverage include:
- The stability period required for your condition (typically 3-12 months, depending on age and condition)
- How your policy defines “stable” (usually no changes in medication, treatment, or symptoms)
- Your age and overall health profile
- Your destination and trip duration
Top Travel Insurance Claims:
Understanding common travel insurance claims can help you make informed decisions about your coverage needs. Based on recent data, here are the most frequent claims submitted by Canadian travellers:
- Emergency Medical Treatment (42% of claims)
- Trip Cancellation (27% of claims)
- Baggage Loss or Delay (14% of claims)
- Trip Interruption (11% of claims)
- Flight Delays (6% of claims)
Do you have a question about Travel insurance?
