Why take a chance? Trufflepig strongly recommends you obtain comprehensive travel insurance from a reliable provider such as Manulife Insurance®. Give us a call or obtain a quote online.
What is travel insurance?
Travel insurance protects you against unforeseen problems and issues relating to your trip. There are four main types of travel insurance coverage: Cancellation & Interruption, Emergency Medical, Baggage & Personal Effects, Flight & Accident. While each type can be obtained separately, it’s usually best to purchase a comprehensive travel insurance package, which includes most or all types of coverage.
How does Cancellation & Interruption coverage work?
Cancellation & Interruption insurance protects you against the loss of nonrefundable amounts if you need to cancel your trip prior to departure, or costs incurred if you must interrupt your trip, for an allowable reason such as flight cancellation or serious illness of a family member. If you do not have this coverage, cancelling or interrupting a trip can cost you thousands of dollars.
What does Emergency Medical cover me for?
If you are injured or become ill while on your trip, Emergency Medical covers you for emergency medical transportation and medical treatment, as well as subsistence expenses (i.e. hotel, meals, taxis).
What is Baggage & Personal Effects for?
This insurance provides coverage if your bags or personal effects are lost, damaged or delayed.
What is Flight & Accident coverage?
This insurance pays a benefit in the event of death or dismemberment resulting from a flight or travel accident while on trip.
What does it cost?
A comprehensive travel insurance package typically costs 10-12% of the price of your trip. The cost of insurance is determined primarily by your age, length of the trip and cost of the trip.
Doesn’t my credit card or health plan cover me?
Some credit cards and health plans offer a degree of travel insurance coverage, but very few offer comprehensive coverage against trip cancellation & interruption.
Is there anything else I should know?
Packages including cancellation insurance should ideally be purchased as soon as possible after confirming your trip, to ensure no complications should you need to cancel down the road. Medical only packages can be purchased any time up to the date of departure. For families travelling with children 17 and under, family packages are available. Travel insurance policies can be complex and difficult to understand. If you have further questions, please call us or contact a travel insurance specialist.
Do I really need travel insurance?
It’s impossible know in advance. But we can say for certain that you are widely exposed if you do not have travel insurance. Cancelling or interrupting a trip, or dealing with major hospital bills can be very costly. If you end up not needing travel insurance, you’ll probably forget about the cost anyway. If you do need it, you’ll be immensely grateful.