Sometimes the most important travel item is a phone number
(NC)-Toothbrush? Check. Swimsuit? Check. Suntan lotion? Check. Travel insurance? Huh?
Getting sick or injured during a vacation is not only bad timing, it can also be expensive. The pain of a broken ankle from playing beach volleyball or the bad shellfish you ate can be nothing compared to the expense of medical attention away from home.
"When planning for a vacation, the last thing anyone wants to do is think about what could possibly go wrong," said Dave Minor, vice president, TD Insurance. "The reality is, accidents happen - and travel medical insurance not only can provide assistance in times of need, but also the assurance that you are protected."
Travel medical insurance can include more than medical care. It can also help with additional living arrangements, or cover the cost of cancelling a trip or coming home early. Policies can be designed to suit your needs giving you added peace of mind that assistance is a phone call away.
"The most important thing is for people to fully understand what is covered, and what is not," adds Minor. "The key is finding a policy that suits your vacation. Canadians planning to spend the winter in Florida may need a different policy than the frequent traveller who pops over to Montreal or New York City every other weekend. A snowbird will need to answer a few health questions when they apply for their insurance while younger, short-term travelers will not."
Potential travellers should look for policies that are easy to understand with clear limitations and exclusions. Round-the-clock emergency telephone service is also a must.
"Taking travel medical insurance with you just makes sense," says Minor. "The one thing you don't want to leave behind is the quality medical care and coverage you have at home."
More information is available online at www.protection.tdinsurance.com or 1-866-753-6953.