Seeking to purchase journey insurance coverage on your upcoming journey, however don’t know the place to start out? We get it, there are many totally different protection choices on the market, and understanding insurance coverage isn’t all the time straightforward. Properly, we’ve received you coated (pun very a lot so meant)! 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 coated?
Pre-existing medical situation protection varies from plan to plan, which is why it’s necessary to debate your coverage along 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 state of affairs?
Age, journey size, and stability are the three components thought of for pre-existing medical situation protection at TuGo. Try “Journey Insurance coverage & Pre-existing Medical Situation Stability” for extra particulars.
One other factor to remember is that should you’re 60+, you have to full a Medical Questionnaire, and your solutions decide your premium, not your protection for pre-existing medical situations. Try “TuGo’s Traveller Medical Questionnaire: FAQs for Senior Travellers” for extra particulars.
2. Are sports activities or different high-risk actions coated?
A number of the best holidays contain thrilling actions like snowboarding, bungee leaping, or mountaineering. They’re typically a good 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 received you coated with Sports activities & Actions Protection. 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 almost inevitable lately, so it’s necessary to guard your journeys from the sudden. In relation to journey insurance coverage, there are two major forms of protection: emergency medical and non-medical. To make sure you’re coated within the occasion that you’ll want to 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 coated dangers together with being pregnant, job loss, or a dying within the household, TuGo’s Journey Cancellation & Journey Interruption Insurance coverage 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, now we have a 4-step course of to submit a declare. 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 additionally paint an image of their capacity 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 should be thought of. Nonetheless, going with the most cost effective possibility will not be the perfect thought, particularly in terms of journey insurance coverage. Consider your protection like a parachute. Do you actually need to leap out of a airplane with discount gear, which might have lacking holes? This is the reason 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 are feeling assured that you just’re asking your dealer, agent or monetary advisor the correct questions on your particular journey wants. Should you’d wish to take an excellent deeper dive into journey insurance coverage, try The Full Information to Shopping for Journey Insurance coverage. In it, you’ll discover a helpful cheat sheet and detailed details about TuGo’s hottest coverages.
Till subsequent time,
Jacqueline