Home Save Homepage
Travel insurance
Travel with a clear conscience...
Travel insurance allows you to be protected against unforseen accidents related to your travel, be it before you leave for the trip or during the trip.
The same principal applies for all student insurances: you pay a certain fee and you get ensured against certain problems. If you decide not to take travel insurance, you will surely save a lot of money... but if something were to happen, like a ski accident in the country you are staying, the medical bills can be extremely expensive, because you will have to pay them in full.
In many countries, medical bills already seem expensive. You would probably be surprised to know that the governement often gives financial help to hospitals, medical clinics and other ressources to help make these services less expensive and more accessible.
However, if you leave and go to another country, you will not get these services at a reduced price, because you do not contribute to their taxes. The one eay to protect yourself from these problems: travel insurance.
Types of protection
Insurances vary from one to another and it is possible to choose different options.
Normally, travel insurance includes protection against theft and breaking of luggage, medical bill costs, accidents, death, transportation fees for an emergency return and canceling fees of a trip in case of emergency, problems or unforseen consequences.
Rates and prices
You can procure yourself a package with an insurance company or directly with your travel agent, who prepares the insurance packages in advance, which you will be able to include in your trip's cost.
Of course, the further away your trip is being held and the less reliable medical infrastructure this place may have, you will have to pay more to ensure your trip.
For example, a trip to Cuba from Canada can cost around CDN$1000, and the insurance can cost about CDN$120. That might seem much, but when you will have to pay medical fees in a different country, you will be very glad to have had travel insurance, which can often pay up to five million in medical bills!
However, dealing directly with insurance companies, you will be able to choose a protection program parallel to your needs and it can cost just a couple of dollars per day to be ensured.
Suggested articles
