Whether you’re exploring another province or heading abroad, travel insurance helps you manage risks and protects against unexpected costs. Coverage by provincial health plans can vary from province to province, so things like ambulance services or prescription drugs may not be fully covered once you leave home. Travel insurance fills those gaps, giving you peace of mind wherever your journey takes you.
Travel insurance policies can be tailored to your needs, and coverage varies widely between providers and plans. Here are some common types of protection you might find:
Many policies offer coverage for unexpected medical expenses if you get sick or injured while traveling. This can include hospital stays, doctor visits, ambulance services, and prescription drugs. Some plans may have limits or exclusions, especially for pre-existing conditions.
If you need to cancel your trip or cut it short due to illness, family emergencies, or other covered reasons, some policies will reimburse you for non-refundable travel costs like flights, hotels, or tours.
Coverage may be available to help replace belongings if your baggage is lost, stolen, or damaged during your trip.
Some travel insurance plans include extras like coverage for travel delays, missed connections, or rental car protection.
Not every policy includes all of these features, and coverage amounts, exclusions, and eligibility can differ. Always read your policy carefully to understand what’s included, what’s excluded, and how to make a claim if you need to.
It’s important to check what coverage you already have and understand what you’re getting:
Review your existing coverage: Workplace benefits and credit cards sometimes include travel insurance, but coverage can vary widely. Some plans may offer only basic protection, have eligibility restrictions, or exclude certain types of travel. If your current coverage doesn’t meet your needs, supplemental travel insurance can help fill the gaps.
Read the policy details: Every travel insurance policy is different. Look for specifics about what’s covered, what’s excluded, and any limits or conditions. Pay close attention to coverage for medical emergencies, trip cancellations, and baggage protection. Make sure to keep all paperwork in case you need to make a claim.
Always make sure your insurance professional and company is licensed to be selling insurance in New Brunswick. You can check their status at fcnb.ca/check-now.