Protect yourself and your plans with travel insurance you can trust
If you or a loved one has ever been sick or injured while travelling outside your home province, then you know how inconvenient it can be and how quickly expenses can climb as you try to manage the situation.
At Acera Insurance, our experienced travel insurance brokers can help you make sure that you have the right coverage for your trip so you can focus on enjoying yourself.
What is travel insurance?
Travel insurance is a blanket term encompassing many types of coverage, depending on the package you purchase. This includes lost baggage, trip cancellation, interruption, and travel medical expenses. Travel insurance can also help you recoup some of the costs if things go wrong while you are travelling for either work or pleasure.
Our travel insurance advisors will provide coverage recommendations that protect you if you are injured or fall ill while travelling anywhere in the world.
Who needs travel insurance?
There are many different types of travellers. Whether you are a snowbird heading south for the winter, a student studying abroad, a professional travelling for business or an individual heading out on vacation, our trusted advisors can provide an insurance package tailored to your unique needs.
Life happens—nobody expects to break their arm in Hawaii or lose their luggage on a multi-flight journey to South Africa. While travelling, many different issues can occur that are out of your control, forcing you to change or cancel your plans.
Medical expenses that happen outside of Canada—or even your home province—can be costly if you don’t have travel medical insurance. Trip cancellation and trip interruption can also help provide peace of mind if you must unexpectedly cancel your trip.
What does travel insurance cover?
There are four main types of travel insurance that can help you recoup potential losses while travelling. They are:
- Travel Medical – considered the most important type of coverage, travel medical helps cover the cost of emergency medical treatment while travelling. It can also cover your transportation home if you’re ill, injured or pass away while abroad.
- Trip Interruption—If your trip is interrupted due to an unforeseen event, like a natural disaster, this coverage can help cover the costs of getting home in an emergency.
- Trip Cancellation—This option helps you recoup the non-refundable costs of a pre-booked trip if you are forced to cancel due to unexpected circumstances, such as an emergency medical event.
- Lost Baggage – if your baggage is delayed or lost while travelling, lost baggage coverage will help cover emergency supplies and replace your luggage if it never turns up.
How much is travel insurance?
The cost of travel insurance will vary depending on what types of travel coverage you purchase and a few other factors, including:
- The destination, length and value of the trip
- The number of travellers on the policy
- The age and any pre-existing medical conditions of the people travelling
- Whether you will be doing risky activities like skydiving
It’s important to be honest with your travel insurance broker about your medical conditions. They’ll be able to work with you to find the right coverage and help you understand any policy limitations.
When to purchase travel insurance?
You should purchase travel insurance within 24 hours of booking your trip. If you know that you will be travelling in the future and would like to get a few quotes, our Rogers McLean Shaw travel insurance brokers can assist you with this.
Alberta travel insurance specialists: Acera Insurance travel insurance brokers
You want peace of mind when the unexpected happens – especially when you’re on vacation!
We know that insurance can seem complicated, which is why our dedicated team of travel insurance specialists takes the time to answer your questions and guide you through the process. As an Edmonton-based company for the past 65 years, the team at Acera Insurance are experts in the industry. As a partner of Acera Insurance, we can compare prices across the market to find the best travel insurance quotes for your needs.