You might already be covered. But how far?
Credit card, group plan at work, RAMQ… they cover part of it, not all of it. A travel insurance specialist looks with you at what you already have before suggesting anything.
The specialist looks at what you already have first
They check your current coverage before talking about anything else.
No obligation to buy
If you’re already well covered for your trip, they’ll tell you.
You don’t need every answer to start
The specialist can then tell you what information is needed.
“My credit card covers that.” Well… it depends.
That’s the line we hear most often. Sometimes it’s true. Sometimes the coverage stops after a certain number of days, or it changes with your age, or it requires that the trip was paid for with the card. You rarely find out before you leave. And when you do find out, it’s rarely at a good moment.
The credit card, the plan at work, RAMQ.
Each one covers part of it. A credit card often comes with a maximum number of days and conditions about how the trip was paid for. A group plan at work sometimes covers the whole family, sometimes just you. RAMQ reimburses part of the care you receive abroad, not all of it. The specialist goes through what you already have before going any further.
Where you go, how long, with whom.
A weekend in Boston and a whole winter in Florida are not the same thing. Your age counts. A health condition you already know about counts too. The number of people leaving with you changes which coverage applies. That’s why the specialist asks questions before talking about price.
Checking your travel insurance is simpler than you think.
A few questions so the specialist can prepare your call.
Frequently asked questions
Am I going to get a pile of calls?
No. Your request goes to one travel insurance specialist — not to several providers. One number, one person.
I’m leaving soon, is it too late?
Not necessarily. Say so in the form: the specialist calls you back and goes over what is still possible before you leave.
Do I have to buy anything?
No. If what you already have does the job, the specialist will tell you. The decision is yours.
What do I need to have on hand?
Nothing. The specialist helps you find the information during the call — that’s their job, not yours.
Does it only cover medical care?
It depends on what you choose. Trip cancellation, trip interruption and baggage are separate coverages. The specialist explains what applies to your trip.
Nothing to prepare before the call.
Step 01
You answer a few questions about your trip.
Step 02
A travel insurance specialist calls you back.
Step 03
They go over what you already have with you.
Step 04
You know what you’re missing, if you’re missing anything.
One specialist. One call. And you leave with a clear head.