Why should I purchase
Travel Insurance?
Unforeseeable emergencies happen and can be extremely expensive. Public health insurance plans and other insurance such as homeowners', employee group benefits and credit cards may not adequately provide the coverage required to safeguard you and yours on your trip. |
The following real-life scenarios demonstrate
the necessity of purchasing travel insurance.
Provided by Travel Guard
Medical Emergency: A 50-year old woman collapses aboard a cruise ship in the Caribbean. The ship's doctor recommends she be taken to the nearest island hospital at the next port of call where very little English is spoken. The hospital expenses, emergency air ambulance home and additional emergency air transportation home for her family members cost $50,000. The lost portion of the pre-paid cruise is valued at $10,000. Her provincial health insurance plan only reimburses $2,000. With Travel Guard trip interruption and emergency accident and sickness benefits, not only are all these expenses and losses covered, our multi-lingual emergency assistance counsellors work with the attending physician and family physician to organize the best possible care, air ambulance, family transportation and the securing of a hospital bed back home. Additionally, all medical bills are paid directly to the various medical suppliers by Travel Guard.
Trip Cancellation: A family totally prepays a tour package to Orlando, Florida which includes return flights, hotel accommodation and day passes to a theme resort (total cost: $12,000). Two days before their departure date, the father is hospitalized following a car accident. Since the trip was only cancelled 2 days prior to departure, the cancellation charge by the tour operator is 100% of the holiday cost. With Travel Guard trip cancellation benefits, the total insured amount is refunded including the cost of the theme resort day passes.
Trip Interruption: Honeymooners purchase air tickets to Vancouver and an Alaskan cruise. Their flight arrival from Montreal is delayed by weather and they miss the cruise departure. Without travel insurance, the honeymooners have to find and pay their own way home or find a way to catch up to the cruise ship. With Travel Guard trip interruption benefits, emergency travel assistance is one phone call away. Hotel arrangements and/or arrangements to catch up to the cruise ship or return home are handled by Travel Guard and the transportation costs and the value of the lost days at sea are reimbursed.
 Lost Travel Documents: While visiting relatives in Spain, a senior citizen loses her passport and travel tickets. Without insurance, she has to deal with the foreign language issue and figure out how to get a new passport and replacement airline tickets. Exclusively with Travel Guard, one call to Livetravel - our 24/7 emergency travel assistance number and all the work is completed by us.
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