Trying to purchase journey insurance coverage in your upcoming journey, however don’t know the place to start out? We get it, there are many completely different protection choices on the market, and understanding insurance coverage isn’t all the time straightforward. Properly, we’ve bought you lined (pun very a lot so supposed)! Listed here are the highest six inquiries to ask your insurance coverage dealer earlier than making the acquisition.
1. Is my pre-existing medical situation going to be lined?
Pre-existing medical situation protection varies from plan to plan, which is why it’s necessary to debate your coverage together with your dealer. Issues to ask your dealer: what is taken into account a pre-existing medical situation, and the way does your protection apply to your personal medical scenario?
Age, journey size, and stability are the three elements thought of for pre-existing medical situation protection at TuGo. Try “Travel Insurance & Pre-existing Medical Condition Stability” for extra particulars.
One other factor to remember is that if you happen to’re 60+, you have to full a Medical Questionnaire, and your solutions decide your premium, not your protection for pre-existing medical circumstances. Try “TuGo’s Traveller Medical Questionnaire: FAQs for Senior Travellers” for extra particulars.
2. Are sports activities or different high-risk actions lined?
A number of the absolute best holidays contain thrilling actions like snowboarding, bungee leaping, or mountaineering. They’re typically an effective way to let off some steam and have enjoyable, all whereas embracing your new environment.
TuGo understands, which is why our Emergency Medical Insurance coverage contains protection for a lot of of those experiences. For extra adventurous travellers, we’ve additionally bought you lined with Sports & Activities Coverage. That is good for actions like scuba diving, backcountry snowboarding/snowboarding, and extra!
3. Is there protection for delays and interruptions?
Airport delays and interruptions have gotten practically inevitable nowadays, so it’s necessary to guard your journeys from the sudden. In the case of journey insurance coverage, there are two major sorts of protection: emergency medical and non-medical. To make sure you’re lined within the occasion that you should cancel your journey earlier than your scheduled departure, or your journey plans are interrupted, you’ll want Journey Cancellation & Journey Interruption Insurance coverage, along with Emergency Medical Insurance coverage for sudden medical bills.
With lined dangers together with being pregnant, job loss, or a loss of life within the household, TuGo’s Trip Cancellation & Trip Interruption Insurance can defend the monetary funding you’ve made in your journey.
4. What occurs if I must make a declare?
Coping with the claims course of could appear daunting, particularly after going via the sudden. Every firm has their very own course of so it’s necessary to know a bit about how they work earlier than making your buy.
At TuGo, we’ve got a 4-step course of to submit a claim. The necessary factor to recollect is to carry on to your payments and receipts associated to your declare. They’re important for figuring out reimbursements, to both you or your medical supplier, and can be utilized as proof of your journey dates, when opening a declare.
5. How lengthy has the corporate been in enterprise?
This query can be utilized to vet potential insurance coverage suppliers and see how respected they’re. It may well additionally paint an image of their potential to offer the help providers anticipated of high-quality journey insurance coverage which may be important if a pace bump in your plans arises. Fortunate for you, TuGo has been a proudly Canadian-owned and operated enterprise for over 60 years, providing prospects complete protection and help for many years!
6. Is the speed aggressive?
There’s a cause that is the final of the highest 6 questions. In fact, whereas buying journey insurance coverage the associated fee have to be thought of. Nevertheless, going with the most affordable possibility will not be the very best thought, particularly with regards to journey insurance coverage. Consider your protection like a parachute. Do you actually wish to leap out of a airplane with discount gear, which may have lacking holes? That is why balancing the associated fee and effectiveness of your plan is necessary—your medical and monetary well-being shouldn’t be put at-risk. In spite of everything, there’s a cause they are saying, “You get what you pay for.”
Hopefully this submit has helped you’re feeling assured that you just’re asking your dealer, agent or monetary advisor the precise questions in your particular journey wants. In case you’d wish to take a good deeper dive into journey insurance coverage, try The Complete Guide to Buying Travel Insurance. In it, you’ll discover a helpful cheat sheet and detailed details about TuGo’s hottest coverages.
Till subsequent time,
Jacqueline
