Why Travel Insurance is Essential for Domestic Trips

Why Travel Insurance is Essential for Domestic Trips

Exploring Canada, whether on a spring break road trip or a summer getaway, can be a rewarding experience. However, many Canadians overlook the importance of travel insurance for domestic travel. At SeaFirst Insurance, we want to ensure you understand the significance of being covered, even when traveling within our national borders.

The Importance of Emergency Medical Insurance

 
Provincial Healthcare Limitations

While provincial healthcare covers basic medical expenses, it often falls short for additional costs like ambulance services, emergency dental care, prescription drugs, or vehicle return.

For instance, consider the case of Sonya, an 83-year-old from Alberta. During a visit to her family in Regina, she had an unfortunate fall, resulting in a hospital visit for a CT scan, dental fees for a chipped tooth, and replacing broken glasses. Without travel insurance, Sonya would have faced nearly $2,000 in out-of-pocket expenses. Fortunately, her Emergency Medical Insurance plan covered $1,670 of these costs, significantly reducing her financial burden.

Coverage for COVID-19 and Beyond

Your provincial healthcare plan will cover COVID-19 related emergencies, but other expenses like ambulance rides, prescription medications, dental emergencies, or vehicle return may not be included. Purchasing Emergency Medical Insurance ensures comprehensive coverage for these additional costs.

Annual Plans for Frequent Travelers

If you travel outside your home province more than twice a year, an Annual Emergency Medical Plan could be more cost-effective. These plans offer continuous coverage, saving you the hassle and expense of purchasing insurance for each trip.

For example, Anthony, a 59-year-old from Alberta, faced a skiing accident during his vacation at Big White Ski Resort in Kelowna. His Multi Trip Annual Worldwide Emergency Medical Insurance plan covered the ambulance and prescription costs, saving him over $600 in out-of-pocket expenses.

Pre-Existing Conditions

For those with pre-existing medical conditions, travel within Canada is simplified with no stability requirements under a Travel Within Canada Emergency Medical plan. This flexibility allows for travel without waiting for a specific period to confirm the stability of your condition.

 

The Benefits of Non-Medical Insurance

 
Trip Cancellation and Interruption

Emergency Medical Insurance covers only medical emergencies. For non-refundable bookings, missed flights, or tours, Trip Cancellation & Trip Interruption Insurance is invaluable. It reimburses costs for cancellations or interruptions, protecting your investment in your trip.

Trip Interruption Only Insurance

If you are confident about not canceling your trip, Trip Interruption Only Insurance is an affordable way to cover disruptions that may cause you to return home earlier or later than planned. This coverage provides peace of mind, ensuring that unexpected interruptions don’t become financial burdens.

Baggage Insurance

Adding Baggage Insurance to your plan is a smart move. This coverage protects against lost, damaged, delayed, or stolen luggage, giving you peace of mind for your travel essentials.

Rental Car Protection

Planning to rent a car in another city? Rental Car Protection can be added to your travel insurance plan. This coverage is essential if your rental car is damaged or lost, ensuring you’re not left with unexpected expenses.

 

Traveling within Canada is a delightful experience, but unexpected events can quickly turn an enjoyable trip into a stressful situation. At SeaFirst Insurance, we recommend comprehensive travel insurance to ensure you’re covered for medical emergencies and non-medical incidents. Whether it’s emergency medical expenses, trip cancellations, or rental car protection, our insurance plans are designed to provide you with peace of mind.

For more information or to purchase a plan, contact one of our agents today.

Ready to purchase a travel plan?  Buy Travel Insurance Now

Safe travels… We got you!