Snowbird Travel Insurance: Covering the Travel Needs of Canadian Travelers

Canada is one of the world’s countries that have made major steps in insurance with provision of insurance services covering various aspects of the human life and his/her belongings. All ages have been covered in their insurance plans. People all over the world are travelling either on official duties or on vacations. If you thought only the working class has been protected during their trips, then you are quite wrong. The old as well as retirees have a reason to smile and enjoy travelling following the introduction of an insurance policy known as snowbird travel insurance. A large percentage of Canadians known by the name “Snowbirds” are making trips from the country more so during the winter season in Canada. More often than not, the trips range between three and six months involving retirees who desire warm weather.

The policy “Snowbird travel insurance” was derived from the name used in reference to this group of Canadians-the Snowbirds. The insurance covers retiree, senior as well as group medical policies. This a product of the partnership between Insurance Direct Canada-I.D.C and Group Medical Services-GMS which are offering an exceptional travel insurance policy specifically to serve the travelling needs of Snowbirds. The Snowbird travel insurance has won praise among Snowbirds who have been ignored for a long time as far as insurance plans are concerned. Canadian retirees have for a long time gone through tribulations and unnecessary anxieties because no insurance policy was catering for their travel needs. As a Snowbird, you now have the opportunity to enjoy the fruits of your labor by travelling to your dream destination without being anxious.

However, GMS isn’t the sole company offering Snowbird travel insurance to insurance buyers wishing to undertake this kind of cover. IDC only acts as a broker representing other insurance firms. Snowbird travel insurance is offered at affordable rates and hence people in different economic levels qualify to undertake the policy.

Regardless of whether Canadian Snowbirds are travelling within or out of the country, they are provided with emergency medical cover. There are also travel insurance policies for Canadian visitors.

No one wishes to go through tribulations while travelling and always hopes to have an exclusive travel experience, but things do not happen as per our expectations. Many times people have travelled across borders without necessarily having travel insurance. However, this was as result of luck and not custom or principle. Snowbirds are subject to regular illness which might strike unannounced and hence need to undertake Snowbird travel insurance cover. When such emergencies occur in the absence of this kind of cover, it is hard for Snowbirds to solve such problems keeping in mind that most of them lack a steady income. This is very beneficial at such times. This policy covers all medical bills saving Snowbirds the agony of indebtedness.

Snowbirds not covered under this policy have ended up spending dearly from their own pockets; expenses they could have avoided had they taken cover earlier. Nevertheless, it is never late and one can always make a step and purchase the policy.

Travel Insurance Over 70 – Here is How to Find the Best Rates

You have worked so hard your entire life that you now want to spend your retirement traveling but now that you are over 70 travel insurance is not easy to get. Eventually, when you get to find one you find out its expensive.

Don’t give up just yet on your dream of going places. Don’t even stress yourself looking for insurance for your travel which fits your age bracket because here are tips help you find for yourself the best over 70 travel insurance rates.

The keys to finding the best insurance are determining your needs, looking in the right place, and the Internet. Yes you got that right the Internet but that will be for later.

Your over 70 travel insurance policy should cover the entire duration of your trip. If you are keen on traveling more than twice a year get an annual insurance for your travels however if you only intend to travel once or twice a single travel insurance is more financially practical.

If you already have a health insurance, review the policy and see the extent of the coverage. If you are covered for medical evacuation and reunion with a relative in case of hospitalization while traveling then ask if you can opt to exclude this in your insurance application.

Health problems are frequently associated with seniors; however if this not your case because you are fit and are not likely to get sick as you are traveling then ask if you could have you your policy adjusted accordingly. However, keep the accidental death and disability part because accidents are something that no one can predict but can best prepare for not only for yourself but for the family as well.

Recently, many travelers got stranded in various places in Europe unable to go home for days due to the volcanic ash from the eruption of Iceland’s volcano. With that in mind, ask the insurer if you can be covered for natural disasters. With insurance you can be put up in a hotel so that even as you are stranded, you can still have a comfortable stay.

Your policy should have the “Cancel For Any Reason” clause. This is handy for those times when you have to cancel your trip because there is an disease outbreak to where you are going, a family member suddenly fell ill, there is a natural disaster occurring at your destination, or you yourself isn’t feeling fit for travel.

Now you can Look around for a major insurance company that is known for their travel insurance deals for the senior age bracket. If you don’t have any idea, your friends who are in the same age bracket could prove to be helpful as they may have already insured themselves.

Keep in mind that good deals does not necessarily mean they are the best deals. Don’t stop at just one insurance company in fact why don’t you list down two more? After that go out there and talk with an agent from each company and have a discussion about their over 70 travel insurance, policy inclusions, how you can adjust your policy according to your needs,d how much you’re going to pay and then compare your notes.

Now if you want to do the research without having to go out of your house and meet agents on a personal basis, you can always surf the Internet for over 70 travel insurance providers. Many insurance companies now have their own websites that are equipped with an insurance quote system which you can use to find out how much you will possibly pay. This is also the best way to do comparison, letting your fingers do the walking.

Can I Afford Travel Insurance?

“Do I need travel insurance?” shouldn’t be the million dollar question you should be asking yourself when you are planning a trip or holiday – whether its seven days away in the country you live in, or three and a half months away travelling around the world.

Rather, “Can I afford travel insurance?” is the question you should instead be asking yourself. If your answer to “Can I afford travel insurance?” is “no”, then quite simply you can’t afford to go on a trip or holiday.

You wouldn’t own a house without having home and contents insurance, and you wouldn’t own a car without having car insurance. Likewise, you wouldn’t travel without travel insurance.

It’s not only a case of your luggage getting lost. What if you fell off an elephant in Chiang Mai? Medical treatment costs abroad are very high, and you are personally responsible for paying for the costs.

Unfortunate incidents can happen without warning at any time, and at any place where ever you happen to be in the world. Taking out a travel insurance policy is priceless. It gives you peace of mind.

Possible needs for travel insurance include:

• Travel Services Provider Insolvency
• Medical and Dental Expenses
• Additional Accommodation and Transportation Expenses
• Amendment or Cancellation Costs
• Luggage and Travel Documents
• Delayed Luggage Allowance
• Money
• Rental Car Insurance Excess
• Travel Delay
• Resumption of Journey
• Hospital Incidentals
• Hijacking
• Loss of Income
• Disability
• Accidental Death
• Legal Expenses
• Personal Liablity

Just with any other insurance contract, you must look at the schedule of benefits before committing to any travel insurance contract. This is because you need to understand precisely what you are covered for.

So ask yourself,”Can I afford travel insurance?” Or ask yourself in another way, “Can I afford not to have travel insurance?”

The cost of travel insurance is a small price to pay, compared to your total budget of your trip or holiday.

And if you take out travel insurance before you go away, and some unforeseen event does eventuate, it’s also a small price to pay. Imagine coming home with a $1,000,000 lawsuit against you.

There’s a wide spectrum of travel insurance products on the market. When asking yourself,”Can I afford travel insurance?” determine which option suits you best. Some of the options include: international single trip or annual multi-trip; domestic single trip or annual multi-trip; business travel insurance; winter sports insurance; backpackers insurance; cruise line insurance; and family insurance.

So there is no excuse to leave home without it. If you do forget something, just don’t let it be travel insurance.