Confusion and misconceptions have been brought about by the travel insurance provided by some credit card companies. Other people rely on travel insurance offered by their credit cards, not knowing that their coverage is only limited to travel accidents that may happen aboard a plane, on a train or a rented car that they have availed using their credit cards. In short, the coverage is very limited and very conditional.
Misleading advertisements made by some credit card companies leave some people to believe that they are fully covered in situations where accidents and tragedies occur on their trips. A lot of major credit card providers offer their members free travel insurances and other similar programs. It is advisable for you to take time to read the terms and conditions of the insurance provided by your credit card company to elicit right information about the coverage offered by your card issuer. You might be surprised to find out that it is not as handy and reliable as what you may have previously thought because of the pre-existing conditions that they have.
Most of the major credit card companies in Canada offer limited travel insurance coverage to their cardholders. Most of them only offer their members accident insurance coverage, with conditions such as the card issuer must have met the accident while in the services or premises of the carrier where he has credited full payment using his card. These credit card companies pay you with the corresponding losses that you incur, per body part lost, paralyzed and life lost only. Other companies offer additional protection (such as medical hospitalization and ambulatory services, etcetera) for an additional annual fee, but its reimbursements and coverage are also within certain limits.
Going out with friends and family on vacation is fun. Walking in the park, strolling foreign cities, going to the beaches, swimming, sunbathing, windsurfing, hiking and other fun filled adventures could predispose you to fortuitous events like accidents or other unlikely injuries. What’s even worse is for you to find out that your credit card company would not pay for your expenses on the said situation, making you feel helpless especially you are a stranger to wherever you may be. Then you begin to wish that you have the power to turn back the time and made that investment in an insurance company to provide you with full coverage for medical expenses on your trip. You wouldn’t wish to experience this, and you do have a choice: Do not let this happen to you.
Would you risk your own health and lives for these freebies rather than invest in a few dollars per day for a safe travel that is worry free? It is always better to always be prepared in everything rather than having regrets in the end. Being fastidious and thorough is good especially if it will benefit you and your family. Get the right insurance to cover all your health needs and be able to really have a fun filled trip that is hassle free, worry free and indeed relaxing!
Related Articles
What are the Provincial Plan’s Coverage When Traveling Outside of Canada?
By: Ronald Chan | 29/07/2007 | Travel Tips
Out of the budget medical emergencies can be extremely overwhelming and can be so burdensome. Especially when you are out on a trip with your family and friends, or on that important business trip only to find out that your Provincial Health Insurance will not cover your medical expenses; such a nightmare!
What Do Senior Canadians be Aware of When Buying Travel Insurance?
By: Ronald Chan | 29/07/2007 | Travel Tips
We live in a modern age where everything seem to cost so much more – especially including medications and other medical related issues and procedures. It is essential for all to be prepared in cases of medical and accidental emergencies, and what better way to do this than to have your selves insured especially when traveling inter province or outside Canada.
How to Determine Whether a Single Trip or an Annual Travel Insurance Policy is Right for You?
By: Ronald Chan | 25/08/2007 | Travel Tips
There are many different types of traveler who requires travel insurance coverage. Many people save all year to enjoy a vacation at a beach destination or resort. Others, like business people, travel frequently as their lifestyle requires. The travel insurance industry has recognized the variety of traveler. In doing so, the Canadian travel insurance companies have designed different type of insurance plan to meet the needs of both types of traveler.
Do International Students Need to Have Health Insurance When Studying in Canada?
By: Ronald Chan | 25/08/2007 | Travel Tips
It is important to be secure especially if you are far away from home. This is the reason why Canada encourages foreign students who study in the country to avail of student travel health insurance during their stay in Canada. Unexpected illnesses, unforeseen events like accidents and other related incidents can happen anytime, anywhere.
Why US Travelers Need to Buy Travel Medical Insurance When Traveling to Canada?
By: Ronald Chan | 04/08/2007 | Travel Tips
Unexpected accident and illness while on vacations and trips could be very frustrating. This is the reason why US travelers need to avail of a Travel Medical Insurance when traveling to Canada. All people who wish to travel may secure themselves with such insurance to avoid the untimely and costly medical expenses while traveling in Canada.
What Does Travel Insurance Really Cover?
By: Ronald Chan | 29/08/2007 | Travel Tips
Traveling is fun, and it can never get better with having peace of mind as you go on with the adventure knowing that you will be well taken care of in case accidents, medical emergencies or other unforeseen events happen; and this is the reason why travel insurance have become so necessary nowadays.
Guide to Purchasing Travel Insurance for Visitors to Canada
By: Ronald Chan | 29/08/2007 | Travel Tips
With the strong economy, welcoming culture, great natural beauty and high quality of life, Canada is a popular destination for foreign visitors. Canada in not only a popular vacation destination it has the strongest economy in the G8. The strong Canadian economy means that Canada is a hot spot for business travelers, foreign workers, new immigrants, and international students.
Do you Need Trip Cancellation and Interruption Insurance?
By: Ronald Chan | 14/08/2007 | Travel Tips
Thousands, if not millions of Canadians travel every year to visit other countries with their families and friends. However, not all trips turned out to be what they expected. Some trips are canceled or interrupted due to unavoidable circumstances. In the end, they lose huge amount of money for air fare and hotel accommodation.
Got a Question? Ask.
Ask the community a question about this article:
Frequently Asked Questions
Forclosed houses
By: Don burton | 22-11-2008
Is great credit and a large down payment needed to buy a repo?
Best route to Minsk from NY area by plane should ...
By: fullgail | 22-11-2008
Best route to Minsk from NY area by plane should we hire a guide here or wait until we get there?
Will an aneurysm that was 4cm get smaller without ...
By: JHEN | 22-11-2008
Will an aneurysm that was 4cm get smaller without surgery-my friend had one 4cm and had a recent ultra sound and they said it was smaller -im a nurse but ive never heard of this can you please give me your response
Group Health/Dental
By: jem | 22-11-2008
My 20 yr old son is in need of health/dental insurance. He is a dancer and the group he dances with has incorporated as an LLC. Are they eligible, as employees of a corporation, for group health insurance?
Does anyone have intelicares insurance? is it ...
By: angela | 22-11-2008
does anyone have intelicares insurance? is it good or a scam?
Organised trips around Paris for trapped tourists.
By: douglas | 22-11-2008
My wife and son are planning a trip and have to remain in Charles de Gaulle airport all day between flights. Are there any organised tourist trips around Paris, from the airport, to occupy their time?
Note: I have seen similar excursions from other airports.
Q&A Powered by:
Latest Travel Tips Articles
Great Experiences and Great Holiday Specials in Darwin, Northern Territory
By: Guy Fitter | 01/12/2008
Darwin, Northern Territory, is a vibrant and attractive city with a unique selection of budget and exclusive accommodation with many things to do for the visitor such as attractions and tours
Visiting London From Abroad? the Best Way to See the Sights
By: Keith McGregor | 01/12/2008
If you are visiting the Capital City of England from abroad the most visited site is the River Thames. The Thames in London is a beautiful tidal waterway carving through the heart of the City. Some of the most stunning architecture and most well known buildings in the World are dotted along the banks at various points. Big Ben, the palace of Westminster, Tower of London, Canary Wharf and of course Tower Bridge are all right on the river.
Benefits From San Francisco Shuttle Tours
By: JishnuRaj | 01/12/2008
San Fran shuttle is a smaller but more intimate, very interactive, informative and fun group tour. This group takes us to more tour spots, includes bay cruise to Sausalito and free refreshment. This tour group doesn't use large motor coaches. Instead, they use shuttle bus which has easy on and off access. Only this group gets you very near to Lombard Street so that you can walk down.
Benefits From San Francisco Shuttle Tours
By: JishnuRaj | 01/12/2008
San Fran shuttle is a smaller but more intimate, very interactive, informative and fun group tour. This group takes us to more tour spots, includes bay cruise to Sausalito and free refreshment. This tour group doesn't use large motor coaches. Instead, they use shuttle bus which has easy on and off access. Only this group gets you very near to Lombard Street so that you can walk down.
White Water Rafting
By: SHIRE CHIN TRAVEL STATION | 30/11/2008
Rivers have long been the life blood of the indigenous people of Malaysia. They have served as a means of transport, a source of food and now, a resource for eco-tourism. The native groups of Sabah have been using rafts for centuries but white water rafting has only been a recreational activity since the 1980s.
The two main rivers for rafting in Sabah are the Padas and Kiulu rivers which are certified as Grade 3 and Grade 2 respectively in the international white water rafting grading system.
Driving a Vehicle Versus Public Transit: Which is Better?
By: Laura Zeimer | 30/11/2008
Statistics and tips on whether you should use public transportation or your own vehicle to reach your destination.
Cambodia Adventure Travel
By: Rom | 30/11/2008
Once you decided on taking this Cambodia adventure travel it is time to make yet another decision: do you mind travelling with other tourists or not? If you don't mind, your best bet is to try a travel agency who will assist you with your booking of the flights and hotels.
The travel agency will also be helpful with choosing the best tourist locations that will be sure to reveal as much of the Cambodian culture as well as Cambodian country sightseeing.
Why Biking to Work Saves Money on Travel and Gym Fees
By: Melanie Click | 30/11/2008
Exercise and savings at the same time!
More from Ronald Chan
Guide to Purchasing Travel Insurance for Visitors to Canada
By: Ronald Chan | 29/08/2007 | Travel Tips
With the strong economy, welcoming culture, great natural beauty and high quality of life, Canada is a popular destination for foreign visitors. Canada in not only a popular vacation destination it has the strongest economy in the G8. The strong Canadian economy means that Canada is a hot spot for business travelers, foreign workers, new immigrants, and international students.
What Does Travel Insurance Really Cover?
By: Ronald Chan | 29/08/2007 | Travel Tips
Traveling is fun, and it can never get better with having peace of mind as you go on with the adventure knowing that you will be well taken care of in case accidents, medical emergencies or other unforeseen events happen; and this is the reason why travel insurance have become so necessary nowadays.
Do International Students Need to Have Health Insurance When Studying in Canada?
By: Ronald Chan | 25/08/2007 | Travel Tips
It is important to be secure especially if you are far away from home. This is the reason why Canada encourages foreign students who study in the country to avail of student travel health insurance during their stay in Canada. Unexpected illnesses, unforeseen events like accidents and other related incidents can happen anytime, anywhere.
How to Determine Whether a Single Trip or an Annual Travel Insurance Policy is Right for You?
By: Ronald Chan | 25/08/2007 | Travel Tips
There are many different types of traveler who requires travel insurance coverage. Many people save all year to enjoy a vacation at a beach destination or resort. Others, like business people, travel frequently as their lifestyle requires. The travel insurance industry has recognized the variety of traveler. In doing so, the Canadian travel insurance companies have designed different type of insurance plan to meet the needs of both types of traveler.
How Do you Get Covered When Working or Studying Outside Canada?
By: Ronald Chan | 14/08/2007 | Travel Tips
Sometimes it is inevitable for us to go abroad to study outside Canada or perhaps find employment as well. Wherever it is that you plan to go to, it is a must to have all these things ready: your passports, visa requirements, important documents for your study or for your work, a good camera and, of course your travel health insurance.
Do you Need Trip Cancellation and Interruption Insurance?
By: Ronald Chan | 14/08/2007 | Travel Tips
Thousands, if not millions of Canadians travel every year to visit other countries with their families and friends. However, not all trips turned out to be what they expected. Some trips are canceled or interrupted due to unavoidable circumstances. In the end, they lose huge amount of money for air fare and hotel accommodation.
Why US Travelers Need to Buy Travel Medical Insurance When Traveling to Canada?
By: Ronald Chan | 04/08/2007 | Travel Tips
Unexpected accident and illness while on vacations and trips could be very frustrating. This is the reason why US travelers need to avail of a Travel Medical Insurance when traveling to Canada. All people who wish to travel may secure themselves with such insurance to avoid the untimely and costly medical expenses while traveling in Canada.
What Do Senior Canadians be Aware of When Buying Travel Insurance?
By: Ronald Chan | 29/07/2007 | Travel Tips
We live in a modern age where everything seem to cost so much more – especially including medications and other medical related issues and procedures. It is essential for all to be prepared in cases of medical and accidental emergencies, and what better way to do this than to have your selves insured especially when traveling inter province or outside Canada.
Travel 
