Many people pick the new year as the perfect time to get away and take that much-deserved trip. Along with planning your itinerary and making a list of what to pack, it’s important to add purchasing a travel insurance policy to your to-do list.

Travel insurance is often overlooked, with many Canadians unaware that provincial healthcare plans won’t fully cover them once they leave their home province.  These costs can add up quickly with US hospital stays averaging $16,000/day!  By purchasing a travel insurance policy you can cover yourself for the medical expenses that provincial healthcare plans don’t cover.

Travel insurance is not just extra medical coverage. You can also purchase coverage for unexpected trip cancellations / interruptions, as well as coverage for your luggage and any adventure/extreme sports you may be participating in.

At Schill Insurance, we offer travel insurance options to accommodate every traveler’s needs. The following types of coverage are available:

Emergency Medical Insurance:

Emergency Medical Insurance is part of every good travel plan. You may not want to think about it, but unforeseen events can happen while you’re away. Without insurance, you could be left with the high bills left after hospitalization, treatments, and other medical-related fees. Coverage provided includes:

• Hospital stays and outpatient care.
• Ambulance services.
• Emergency dental treatments.
• Medical evacuations to your home country, if necessary.

Trip Cancellation and Interruption Insurance:

Sometimes life can throw you a curveball, and unfortunately, this can happen right before a trip. Should a situation arise such as a family medical emergency, natural disaster or some other unforeseen event and you are required to cancel or cut your trip short, this type of coverage will reimburse you for the non-refundable travel costs if plans are cancelled before departure or interrupted after departure.

Baggage Insurance:

Losing your luggage or not having it arrive on time is not only inconvenient, but also extremely frustrating. This type of insurance will reimburse you for lost, stolen or damaged personal items up to $1,500 per traveler.

Adventure Add-Ons:

Are you planning on skiing, scuba diving, or taking part in some other thrill-seeking activity? Getting additional coverage tailored to high-risk sports is a must. Ensure you’re protected on your next adventure, while pursuing your passions.

When Should You Get Travel Insurance?

You’ve booked your trip – Hooray! The next important thing on the list is to secure your coverage. The earlier your travel insurance is in place, the sooner you are protected against an unexpected disruption. Review your coverage before your travel date. Make sure your policy aligns with your destination, activities and any other details of your trip.

How Travel Insurance Makes a Difference

Here are some real-world scenarios where travel insurance can help:

Scenario 1: Medical Emergency Abroad

While enjoying a family vacation in Europe, one of your children gets sick and requires hospitalization. Without travel insurance, you’d be responsible for all the medical expenses, which could easily be thousands of dollars. With Emergency Medical Insurance, those costs are covered, allowing you to focus on what matters—your child’s health.

Scenario 2: Trip Cancellation

Your dream honeymoon is planned, but an unforeseen family emergency forces you to cancel at the eleventh hour. Because of the Trip Cancellation Insurance you have in place, you can recover the costs of your non-refundable bookings and reschedule your plans when the time is right.

Scenario 3: Lost Luggage

You arrive at your destination after a long flight, only to find that your luggage didn’t make it. With Baggage Insurance, you’ll be reimbursed for essential purchases while you wait for your belongings to be located and delivered.

Why Choose Schill Insurance for Your Travel Coverage?

At Schill Insurance, we’re more than just insurance providers—we’re your travel partners.

Here’s what we offer:

Personalized Plans: We understand that no two trips are the same. That’s why we offer customizable coverage options to meet your specific needs.

Exceptional Support: From selecting the right policy to navigating claims if the need arises, our team is here to help guide you through the process,.

Proven Expertise: With many years of experience in the insurance industry, we know what it takes to keep travelers protected.

Tips for Making the Most of Your Travel Insurance

Understand Your Policy: Read your insurance policy carefully and understand what’s covered, what’s not, and any limitations or exclusions.

Carry Your Documents: Keep a copy of your policy details, emergency contact numbers, and any necessary forms with you at all times while traveling.

Act Quickly in Emergencies: If something goes wrong, contact your insurance provider as soon as possible. Prompt communication can make the claims process smoother and faster.

Document Everything: In the event of a claim, keep records such as receipts, medical reports, or police reports to support your case.

Smart Travel Starts Here

At Schill Insurance, we’re here to help you travel with ease and confidence. Whether it’s a short weekend getaway or a trip around the world, our team is ready to provide you with comprehensive, affordable, and easy-to-understand travel insurance.

Contact us today to learn more about how we can help protect you and your loved ones on your next journey. Your adventure deserves nothing less than the best.