Canadians needs travel insurance when vacationing outside home province

Published: May 31, 2017

Updated: July 24, 2018

Author: Luke Jones

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Travel insurance is very important for Canadians going on vacation or business trips. However, those who travel within the country but outside their own province are often neglecting to take travel insurance and in doing so are putting themselves at risk.

Last week, we reported on an Allianz study that showed there is an untapped market for insurance companies. 60% of Canadians who will travel within the country (but outside their province) will not take travel insurance.

After speaking about the potential for insurance providers, Allianz is now explaining how customers are missing out and putting themselves in danger. Dan Keon, director of marketing for Allianz, says brokers should be proactive in engaging existing customers to find out if they plan to travel. If they do, they should be insured, even if they travel in Canada.

“Even if the customer feels like they’re in good health and may not need that, the great thing about trip cancellation is that will often provide protection, say, if an immediate family member gets sick before you leave – it gives you the option to cancel your trip so you can stay home and take care of them,” Keon said.

“We also cover things like, say you get called for jury duty. Whether you’re travelling inside or outside of Canada, there will be a number of trip expenses you’ll want to protect.”

Health coverage is the main reason why customers should have travel insurance within Canada.

“There’s often a misconception that ‘I’m in good health, so I don’t need travel insurance’. Of course you can have a medical emergency even if you’re in great health,” Keon pointed out. “Things like appendicitis or a slip and fall where you have a severe injury to your foot or your leg.

“Also, a lot of people plan on travelling via car – and motor vehicle accidents happen all the time, even at home. While you never want people to be frightened about travelling, you just want to make sure they have coverage in place.”

“Accidents happen. They happen anytime, anywhere,” he noted. “It’s best to make sure your customers are protected against those ‘what if’ scenarios. It’s just about dispelling the misconception that travel insurance isn’t needed in Canada.”