Compare And Buy Travel Insurance Online
A travel insurance policy can protect you from a variety of unexpected circumstances while you’re traveling. Whether you’re looking for trip cancellation coverage to reimburse you for the costs of hotels, flights and other pre-paid and non-refundable trip expenses or if you need medical expense coverage to protect you from the extensive costs of overseas treatment and hospitalization, a travel insurance policy can drastically decrease your risks.
Travel insurance is important for travelers who need a solution to protect themselves from unexpected situations that could affect their travel plans, trip investment and health when traveling. In the last few years, travel insurance has become one of the most popular insurance products available, as it is extremely cost-effective. It’s practically indispensable on international trips, and for travelers of all ages and occupations, it’s a great safety net to give peace of mind when traveling.
Whether you’re planning on going solo or with a group of friends or family, TravelInsurance.com can help you find an appropriate domestic or international travel insurance policy that meets your needs. You can compare all of your trip insurance options, procure coverage online and travel worry-free.
The right travel insurance policy gives you peace of mind no matter where your travels take you. You’ll know where to turn if something goes wrong, with 24/7 emergency assistance from your trip insurance provider.
How To Choose The Right Travel Insurance Policy
Here are key considerations for choosing the travel insurance plan that will match your needs.
Where youre going. If youre traveling outside of the U.S., a plan with travel medical insurance is important because you may have little to no coverage under your U.S. health plan. If youre taking a domestic trip, you likely dont need it, or you may want to buy low coverage amounts as a back-up.
If youre taking an international trip, emergency medical evacuation coverage is important to have, especially if youre visiting a remote area that doesnt have top-quality medical facilities.
How youre getting there. Travel plans can be derailed by weather, airplane mechanical issues or any number of other unexpected circumstances. If youre worried about paying extra money for costs due to a delay, you may want to look for a plan that has a generous amount of travel delay insurance.
What youre doing. If you have lots of prepaid, non-refundable deposits for activities, lodging and tours, it is especially important to have trip cancellation coverage. This holds true for trip interruption insurance as well.
Travelers who plan to participate in extreme sports or adventure excursions should consider buying a plan that covers these activities, as theyre often excluded.
These upgrades are especially good for the traveler who has put down substantial prepaid, non-refundable deposits.
What Kind Of Injuries Are Caused By Extreme Sports
It’s always better to warm up a little and stay hydrated before you engage in any outdoor activity like cycle racing, canyoning, trekking, rock climbing, ski racing, etc. This can help prevent injuries like sprains, strains, scrapes, fractures, concussions, or muscle pulls from occurring.
Sports such as skydiving sees the majority of the injuries caused as a result of human error.
Bouldering can lead to acute injuries from falls.
Skiing and Snowboarding can lead to fractures, tissue and ligamentous injuries with knee joints being the most susceptible. What if you are caught in an avalanche? With emergency treatment and evacuation cover, you can be protected.
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What’s The Difference Between Flight Insurance And Travel Insurance
The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you’re planning your next trip, think about where you’re going and what you’ll be doing. Once you have that, it’ll be easier to choose which policy works best for your trip.
Do We Need Travel Insurance For Usa

Do I Need Travel Insurance to Enter the USA? The USA does not necessarily require foreign visitors to obtain travel health insurance before they’re allowed to enter, however, it is highly recommended. The US is known for having very high healthcare costs, where a simple ER visit can reach thousands of dollars.
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What Is Annual Travel Insurance And Why Should You Consider It
Annual travel insurance plans provide insurance coverage for one year of travel, therefore providing coverage for multiple trips as opposed to a trip-by-trip basis. For one set price, youll receive travel insurance on a full year’s worth of trips .
You should consider annual travel insurance if you travel more than 2-3 times during the year. Annual travel insurance works not only for cruises, but all types of traveling and vacations. Even if you only plan to take one cruise per year, your annual travel insurance plan will work for any other trips you have booked throughout the year, whether short weekend getaways or business trips.
The cost of an annual travel insurance policy will vary depending on the specific coverage you require, your age, and where you live.
My Allianz Annual Travel Insurance plan, for example, costs $280 for the year, which I find to be extremely reasonable considering purchasing insurance on a trip-by-trip basis can easily be much more expensive in the course of a year.
What Is Not Covered By Travel Insurance
Your coverage is based on the plan you choose. However, in general some things that aren’t normally covered by travel insurance are:
- Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
- Travel to get medical care
- Trip Cancellation because you changed your mind
For more information, please check your policy.
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What Type Of Traveller Are You
Are you a seasoned traveller? A hang loose adventurer? A five-star accom type? Snowbird? Or maybe a student attending school in another country? A traveller visiting Canada? A travel insurance policy can be considered as essential as your passport when checking off your to dos for your next adventure.
Not all travel insurance policies will be the answer for every traveller. It depends on your purpose for travel, how long you plan to be away and even your age.
Your first step when thinking of travel insurance is to check any benefits you may have through your group plan at work you might already have everything you need. If not, keep reading!
What’s Holiday Traveling Really Looking Like In 2022
Well, there’s some good news here. Though numbers of travelers based on airline bookings and hotel stays seem to outpace 2021’s holiday numbers, the turbulent summer travel season actually prepped the industry for what is to come at the end of the year. Experts are “cautiously optimistic” that travel companies learned from their logistical and customer service challenges over the summer and that they have had enough time to “recover and regroup” to make the boom of holiday travel more efficient and less painful for travelers overall.
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Cibc Travel Medical Insurance
Coverage overview
Benefit from emergency medical coverage for you and your family when you travel anywhere outside your province or territory of residence.
Coverage amount
Up to $10 million of travel medical insurance1
Get your quote in minutes2
Get a quote by calling us
To get a quote and apply now, call a licensed insurance agent at .
If youre aged 60 or over, youll be asked some questions about your medical history to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.3
Why Do I Need Travel Insurance
A travel insurance policy is important coverage for every traveller. From a health insurance standpoint, unless you have travel medical coverage through your employer or another source, this is a crucial component of a travel insurance plan. When traveling outside of Canada , medical bills can add up quickly. And without travel medical insurance, you and your family could be on the hook for thousands of dollars worth of treatment, hospital stay, and even transportation costs to return home.
Even if you have a great travel medical plan through work, if you invest thousands of dollars in a dream vacation and become unable to travel, you can seek reimbursement for your trip cost. You may get off to a good start on your trip but then have to cut it short due to an emergency or illness. Trip interruption benefits offer coverage for the unused portion of your trip. Delays and baggage problems that cause you issues while travelling can also be covered depending on the type of plan.
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Our Annual Travel Insurance Plan Recommendation
Here at Royal Caribbean Blog, we protect our trips with an annual travel insurance plan through Allianz. Allianz Travel offers travel insurance for individual trips, annual plans, and car rentals.
To be clear, Royal Caribbean Blog has no affiliation with Allianz. We just like what they offer.
They offer three types of annual travel insurance plans: Executive, Prime, and Basic. We recommend the Prime option for the best balance of affordability and coverage.
Its important to note that trips longer than 45 days are excluded from coverage under these plans. Unless youre planning six back-to-back cruises in a row, this shouldnt be an issue for most travelers.
You can read more about the annual travel insurance plans on Allianzs website here.
New Rental Vehicle Damage Insurance

Renting a vehicle while travelling? Get coverage against the physical damage or loss of a rented vehicle and associated costs. Benefits include:
- Coverage of physical damage or loss of a rented vehicle
- Compensation of expenses including towing, salvage, fire department, customs duties and loss of the vehicle
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Learn More About Travel Insurance
Keep in mind that travel insurance policies will vary based on your unique needs and the type of trip youre planning to take. When travel uncertainties abound, the cost of travel insurance is a small fraction of the potential costs of trip cancellation or travel mishap. Learn more about travel insurance before you book your trip so you can choose the right policy for you.
Why You Should Buy Travel Health Insurance
- Your Canadian health insurance may not pay your medical bills while you’re outside Canada
- Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front
- Foreign hospitals can be very expensive and may require immediate cash payment
- In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills
- The Government of Canada will not pay your medical bills
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Travelling Abroad To Seek Medical Care And Alternative Therapies
More Canadians are travelling abroad for health care and treatment, ranging from therapeutic baths to cosmetic surgery to organ transplants. No matter the reason, if youre a medical tourist you should understand that health systems outside Canada may operate very differently from what youre accustomed to and may not be subject to the same rules and regulations. For instance, therapies considered natural are not necessarily safe mineral and holy waters may also be sources of infectious diseases. Hospital and health care services may not meet Canadian standards.
Its your responsibility to research the standards of the health care facility and the licensing of the health care provider in your destination country. Find out how the medical services and facilities are accredited and how they are regulated. Verify the licensing of the facility or health care professional and review any complaints, comments, reports and evaluations. Even if you research the facility and staff thoroughly, theres no guarantee that your experience will match your expectations.
Before making a commitment to undergo medical treatment outside Canada, consult your health care provider or a travel health clinic. In addition to discussing your travel health-related risks, your health care provider will know your history and the procedure youre travelling to obtain and can advise you accordingly.
Be aware of potential problems and risks. For instance:
Whats Not Covered By Travel Insurance
There are common things not covered by travel insurance. Make sure you read a policys exclusions so youre not caught by surprise later.
For example, injuries from high-risk activities may not be covered, such as scuba diving. Nor are problems that happen because you were drunk or using drugs.
Medical tourism is also a common exclusion, so if youre going abroad for a face lift or other elective procedure, travel insurance wont cover hospital bills or aftercare.
If you lose cash, or its stolen, that is typically also excluded from reimbursement under most travel insurance plans.
Keep in mind that travel insurance is designed to protect you against unforeseen events and emergencies. For instance, if you want to cancel a trip because youre afraid of flying, thats not covered under standard trip cancellation insurance.
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Mental Health And Travel
International travel can suddenly uproot you from familiar surroundings, which can lead to mental and physical stress. Travel can also intensify pre-existing psychiatric conditions or provoke psychological crises because of feelings of uncertainty or anxiety about unfamiliar places. Unpleasant or frightening experiences can also be more difficult to cope with while travelling because youre removed from your usual support systems.
Many international travellers experience some degree of culture shock, the psychological stress experienced when adapting to a new culture or when re-entering your own culture after a prolonged absence. Travellers who are dealing with mental health issues before departure may be more prone to this type of stress, so learning to recognize its signs is important.
Changes in diet, activities, sleep and climate can have an impact on psychiatric symptoms and medications. If you have pre-existing psychiatric issues or disorders, see your health care provider or a travel health clinic to learn about precautionary steps you can take.
Repatriation In Case Of Death
Make sure that your plan includes everything necessary to help your loved ones if you die outside Canada as the result of an accident or a sudden and unexpected illness. Make sure your insurance covers:
- The preparation and return of your remains
- Local cremation or burial outside Canada
- Reasonable additional expenses if someone needs to travel to identify your body
For more information, see our Death abroad page.
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Cancel For Any Reason Coverage
You may be able to upgrade your trip cancellation insurance to cancel for any reason coverage. Not all providers offer this add-on. Having it allows you to cancel your trip for any reason thats not listed in your base policy. For example, you could cancel the trip because you simply dont feel like going anymore. Reimbursement under a CFAR claim is often 75% of your trip costs, not the 100% thats available under the base trip cancellation coverage.
CFAR adds an average of about 50% to an insurance plans cost.
What Adventure Activities Are Covered In Digits International Travel Insurance

For a detailed list of activities, you can refer to our policy document to check the ones covered. Below are some of the:
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Baggage And Personal Effects Coverage
Losing your bags can really ruin a trip. Baggage coverage can at least ease the financial pain a little. It can reimburse you for the bags and clothes and shoes that never arrive, although note that reimbursement is for the depreciated value of the items, not the cost to buy new ones. It also pays out for items lost to theft.
Trip Cancellation & Interruption Coverage
Even the best plans can fall apart its not just medical emergencies that keep people from travelling. Missed flights, travel delays, job loss, the death of a family member or a natural disaster can all ruin travel plans unexpectedly. Trip Cancellation & Trip Interruption covers you if travel plans have to be cancelled before departure, or if theyre disrupted after the trip has begun.
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Baggage And Personal Belongings
How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.
Your renters or homeowners insurance may cover personal belongings while you are traveling. Its best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.
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What Does Travel Insurance Cover
Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of plans available, you can find coverage levels that will fit your budget and trip needs.
Look for these top coverage options in a comprehensive plan.
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