With recent travel disruptions to destinations like Cuba and Puerto Vallarta, Mexico, it’s a strong reminder that travel insurance should go beyond emergency medical coverage.
When you’ve prepaid flights, resorts, cruises, or tours, emergency medical insurance alone doesn’t protect those dollars. That’s where the right extras matter.
Trip Cancellation & Trip Interruption Insurance
Covered reasons can include:
- Unexpected medical conditions (including those related to COVID-19)
- Death of you, your travelling companion, or immediate family
- Natural disasters
- Travel advisories
- Self-quarantine or self-isolation
- Delayed or cancelled common carriers
- Involuntary job loss
- Non-issuance of a travel visa
- Missed connections and more
When travel conditions shift quickly, this protection can make a significant difference.
Accidental Death & Dismemberment Insurance
This coverage provides benefits in the event of death or dismemberment resulting from an injury while riding as a fare-paying passenger on an airplane, helicopter, bus, train, or boat, or in other covered accident situations.
Baggage Insurance
Covers loss, theft, damage, or destruction of personal effects. While baggage coverage limits are modest, it can help offset unexpected replacement costs.
All-Inclusive or Non-Medical Packages
Travellers can choose an All-Inclusive Holiday Package (which includes medical and non-medical coverage), or a Non-Medical Package (Trip Cancellation & Interruption, Accidental Death & Dismemberment, and Baggage coverage)
Key Factors That Determine the Cost
- Age of the traveller(s)
- Trip length
- Trip cost
- Type and level of coverage, different plans offer different benefits.
- Number of travellers
- Health and pre-existing medical conditions
- Destination
Emergency medical insurance plans focus solely on medical costs, while all-inclusive plans may bundle medical coverage with trip cancellation/interruption and baggage/liability options. Adding more coverage or higher limits increases the price.