Alberta Travel Insurance

Medical insurance

If you are travelling with a health condition, you may be liable for any medical treatment costs without travel insurance in the event of a flare up or emergency. Travel insurance helps you provide coverage for your pre-existing stable condition to help you access emergency care when you are away from home.

In several countries, medical care for foreigners is costly. So, make sure to have coverage for unexpected medical expenses wherever and whenever you travel.

AD&D (accidental death and dismemberment insurance)

Another significant benefit of travel insurance is the coverage for accidental death and dismemberment (AD&D). 

This coverage is just like the kind AD&D benefits you would have in a life insurance policy. Upon purchase of travel insurance, you will name your beneficiary or it may be payable to the Estate if a beneficiary is not listed. This person would receive all benefits paid by the travel insurance provider in the event of dismemberment or, worse, your death while travelling. The benefits paid by your travel insurance provider will be on top of any benefits which are also paid by any life insurance policy that you have.

If you wish to include AD&D in your travel insurance package, ensure that the coverage amount you set is what you feel is most appropriate for your needs and your beneficiary. 

In addition to this coverage amount, you can choose to add special riders such as:

• Hazardous Activities Rider which offers coverage if your injury happens while you’re participating in any sports adventure, which travel insurance usually doesn’t cover.

Baggage coverage

If your luggage gets lost or stolen while travelling, baggage loss coverage may provide reimbursement up to a specifed dollaro limit for your lost items. This coverage is usually secondary. This means that it is supplementary to any reimbursements offered by the carrier or by homeowner’s insurance.

Another benefit is the baggage delay coverage allowing you to buy any essential items you need for your comfort while waiting for delayed baggage to arrive. Like baggage loss coverage, this is also secondary coverage to any benefits that the carrier provides you. It generally becomes active once your baggage has been delayed for a specific period, usually from 12 to 24 hours. This depends on the insurance plan you purchase.

Trip interruption/cancellation

There are some cases where trips are cancelled due to illness or an emergency. If this happens, your travel insurance policy may cover costs including non-refundable items, airline tickets, hotel bookings, resort bookings, and tickets for various attractions and destinations.

Trips can also be cancelled if there are natural disasters, wars, or riots. Take note that insurance can also cover costs of returning home if your trip is cancelled partway through your trip.