August 14, 2022

Travel & Leisure

Journey Insurance coverage {Suggestions For Buying Insurance policies}

Submit Final Modified – June 20, 2022

Useful Suggestions For Buying The Proper Journey Insurance coverage Coverage

I’ve all the time mentioned for years that in case you can afford to journey, you possibly can afford journey insurance coverage.

Beneath, are a number of ✈ Journey Insurance coverage Suggestions For Buying the precise coverage, to your particular travels and present well being.

It’s necessary that you realize precisely what’s coated and what’s not, when buying your insurance coverage for journey.

Let’s take a look at a number of necessary issues to it is best to consider. First, take a look at this fast 📹 video from CNBC Tv on – 🧳 Shopping for Journey Insurance coverage.

CNBC Tv Journey Insurance coverage YouTube Video



Deciding on The Proper Protection For Your Present Well being

Journey Insurance coverage Suggestions For Buying #1

Travel Health

That is maybe one of the necessary issues You Should Know and be capable of present to your insurance coverage agent, on the time of buy. 

It’s particularly so, for us child boomers and extra mature adults.  

Do you have got a pre-existing medical situation that should be disclosed? ❓

This could tremendously have an effect on your protection or relying on the severity, exclude you from any protection in any respect.

It’s vitally necessary that you just verify with an insurance coverage agent, to make sure you could be coated to your pre-existing ⚕ medical situation.  

There are normally set deadlines related to this, so be sure you do fall inside their pointers.

Protection For Your Particular Journey Vacation spot

Journey Insurance coverage Suggestions For Buying #2

The Mediterranean

Relying in your supposed journey vacation spot, there may very well be journey advisories or restrictions in impact.

These restrictions may very well be related to; security considerations, political points, climate warnings and so forth.

So it’s all the time good to verify together with your native authorities web sites, on any particular journey advisories to your supposed vacation spot, previous to reserving your journey.

Suggestions For Shopping for Journey Insurance coverage For Dangerous Actions

Journey Insurance coverage Suggestions For Buying #3

Mexidivers Reef Dive Boat

That is one thing usually ignored by most everybody, and is very necessary for these lively and 🏍 Excessive Journey Lovers.

Relying on what you take note of and the way excessive the exercise could also be, you might not be coated for any medical emergency that arises.

You could have so as to add a particular peril to your protection if say for example, you intend on Bungee Leaping, Sky Diving or 🚗  Driving a Race Automobile! 🙂 

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Scuba Diving with Zihuatanejo Dive Center

As an avid 🤿 Scuba Diver, I all the time double verify that my medical insurance coverage will cowl this exercise, once I’m touring overseas.

I do know that the majority insurance coverage corporations require 🤿 Scuba Divers to be formally licensed, with a view to be coated.

Shopping for The Greatest Journey Insurance coverage For Lengthy Time period Stays Overseas

Journey Insurance coverage Suggestions For Buying #4

long stay insurance

That is necessary, as it may possibly presumably prevent quite a lot of 💰 cash in the long term.  

Do you journey a number of occasions of the 12 months? ❓

Maybe you’re one of many fortunate ones (Snowbirds,) who presumably escapes to a 🏝 heat vacation spot for the winter? 

Then positively look into an – Annual or Multi-Journey Protection, together with your insurance coverage supplier.   

long stay vacations

We all the time buy an annual plan to a most quantity of days, that we’ll be away at a time. 

This protects us a substantial sum of money from having to buy protection, for every journey we take.

Journey Insurance coverage Protection Suggestions For Baggage

Journey Insurance coverage Suggestions For Buying #5

Luggage Insurance

Once more, relying on the place you’re touring to and if a number of ✈ flights are in your journey plans, then it could be price your whereas to buy 🧳 baggage insurance coverage protection.

It actually doesn’t price a lot, so as to add this inclusion into your coverage. 

Must you arrive at your vacation spot with out your 🧳 baggage, inside hours normally, your protection will can help you buy clothes and objects wanted as much as a sure greenback restrict.

lost baggage

We had a member of the family journey from the chilly winter in 🍁 Canada, to a sunny and sizzling 🏝 tropical vacation vacation spot, arriving with out their 🧳 baggage in hand.

Not good, once you don’t have your bathing go well with or mild clothes for a number of days after arrival.

Worse but and in probably the most excessive case, your 🧳 baggage presumably turns into misplaced for good!

Helpful Tips Banner

With the comfort of 📱 cell telephones and digital cameras lately, it’s all the time good to take a 📸 image of your baggage.

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This will likely be so handy, ought to you must make an insurance coverage declare and/or for monitoring and restoration functions.

Just a few seasons again, our son traveled overseas together with his baggage gone awol. It took months for it to be traced and returned. That’s his returned bag many months later within the photograph above! 🙁

After we’re heading on a tropical trip, we all the time pack seaside clothes and different objects into our 🎒 keep it up baggage, simply in case.


Journey Cancellation & Interruption Insurance coverage

Journey Insurance coverage Suggestions For Buying #6

Trip Interruption Insurance

Everyone knows once we least anticipate it one thing all the time appears to occur, and particularly whereas we’re away from dwelling.

Maybe you could cancel your journey for a selected motive, or have it interrupted for various causes whereas touring.

That is the place – journey cancellation and interruption insurance coverage could be very worthwhile, ought to the necessity come up.

It’s positively price checking into for the small further price added to your coverage. Particularly so, in case you’ve spent an important deal cash to your trip!

travel insurance

Journey ⚕ medical and different associated insurance coverage is important, when touring overseas or elsewhere. 

Must you change into 🤢 in poor health or 🤕 injured whereas away, your medical and 🏥 hospital payments might price you hundreds of {dollars} a day, with none protection.  

That is one thing you by no means need to take any possibilities with and be caught with out, when away from dwelling.

I’ve all the time mentioned …

“In the event you can afford to journey, you possibly can afford journey insurance coverage!”


Helpful Tips Banner

Many 💳 bank card corporations provide insurance coverage protection, related to their playing cards.

credit card insurance coverage

In truth and for a few years now, we’ve had such a card that gives; medical, baggage loss, journey cancellation, journey interruption and rental automobile collision protection.

That is nice, however do be sure you double verify together with your card supplier about precisely what’s and what’s not, coated of their plan.

For instance, most solely enable this protection as much as the age of 65.

I all the time be certain I’ve entry to their protection and call numbers available, once we journey.

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I normally 📧 e mail all my necessary paperwork to myself, for straightforward entry if wanted.  

Beneath, I’ve included a hyperlink to – Pacific Blue Cross, directing you to their web page on journey insurance coverage buy errors, to be prevented.

Simply one other good learn for serving to you choose the – proper protection to your travels.

Pacific Blue Cross Logo

🏥   Pacific Blue Cross – Shopping for Journey Insurance coverage Errors

Update Banner

Replace June 2022

COVID-19 TRAVEL update

Many considerations have been raised concerning your journey insurance coverage protection referring to the – Coronavirus Pandemic. It’s very important that you just perceive and evaluation the small print in your journey insurance coverage, nicely earlier than journey.

Issues are modifications commonly with insurance coverage suppliers, now that journey is resuming as soon as once more.

Many airways, trip packages, cruises and so forth, had not too long ago launched Covid-19 journey safety. That is nice, however as one journey skilled not too long ago acknowledged – you continue to need to be clear on precisely what that protection consists of!

For instance, your native authorities might have a – journey advisory in place to your chosen vacation spot, ⚠ warning towards all however important journey.

This might very nicely exclude your protection!

Final Thoughts Banner

It’s necessary to learn your coverage paperwork rigorously and verify together with your supplier, to substantiate what’s and what’s not included.

Test official web sites for coverage modifications or contact your supplier for extra particulars on such modifications that will have occurred.

Beneath, I’ve included a hyperlink to the 🍁 British Columbia Car Affiliation simply for example, directing you to their particular web page on journey insurance coverage with reference to – coronavirus.

bcaa logo


Once more, all the time learn the high-quality print and talk about your coverage with an expert, to keep away from any surprising surprises when touring.

Secure and Wholesome Travels! 🙂

signature of author and owner Robert Tellier at

✨   Did You Know …

“Iran Is Residence To The Second Oldest Recognized Tree On Earth At 4,000 Years Previous.”


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