Travel Insurance for Travellers to British Columbia

Insurance in general is a detailed subject. Travel Insurance is tricky mostly because there are a number of ways to obtain it. Travel Insurance is recommended because in British Columbia there are a great number of wild areas with inherent perils. Even in the local Vancouver area, wilderness is under an hour away and tourists have been injured or killed hiking the local mountains. The best travel insurance is to avoid perils. (See our Hiking Safety Tips.)

When purchasing travel insurance, it's important to know what's included and excluded. For example, with trip cancellation/trip interruption insurance, you can't cancel the trip on a whim. Normally you have to die, someone close to you dies, the host at the other end becomes ill or dies, or you unexpectedly fall ill. Cancellation/trip interruption insurance will not cover you for a pre-existing condition. For example, were you being treated for a heart condition and a related illness bars you from your trip, your claim won't likely be covered. Also, trip cancellation/trip interruption insurance has maximum amounts that can be claimed. Read the fine print of your travel insurance before buying it.

Baggage and personal effects insurance can be covered in three common ways. Your credit card might have coverage if you have purchased your airline tickets with it. Check with your credit card company for details. The airline you fly with also have loss provisions, but are often priced per pound ($9.07 USD per pound is common for international trips), which may not be sufficient to cover the value of your baggage. The final way of course is to purchase supplemental baggage insurance.

Emergency travel medical insurance is important because even small health incidents in foreign countries can lead to big bills. However, two things are important: review your coverage and learn how to make a claim. Your insurance documents provided - whether you buy separate coverage or rely on coverage provided by another plan or your credit card - have contact information for making a claim. It's best to be aware of how to do this when you are not in hospital. One policy we researched stated that you needed to submit a complete diagnosis from the doctors and/or hospitals you visited including written verification from the presiding physician during the trip that the expenses were medically necessary. It's tough to think of these things when you are in pain.

Accidental death and dismemberment insurance is easier to understand. If you lose your life, eyesight or limbs as a result of an accident a lump sum stated in the policy is paid to you or your beneficiary. You want to make sure you get the best price per dollar of coverage when buying insurance.

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