4 Myths About Travel Insurance: Now Debunked!

Travel insurance has grown as a must-have travel essential, particularly after the COVID-19 epidemic. And, while it may be useful coverage for a variety of travels, there is a lot about the best travel Insurance in Calgary that is misunderstood.

Most of the time, travel insurance does not imply immediate reimbursements. There is generally a plethora of documentation to complete in order to support your case, as well as stringent deadlines to meet. Common travel barriers (such as a flight delay), as well as full obstructions (such as a flare-up of an ailment you’ve previously been diagnosed with), aren’t normally covered.

Here are four popular travel insurance misconceptions, as well as the reality behind them.

Myth 1: Travel Insurance Is Only Medical Insurance

Not at all. The majority of travel cancellation and interruption insurance policies only cover medical emergencies. This is useful if you break your leg when skiing in the Alps, but insurance does not cover normal medical care.

Perhaps you use a catheter that needs to be updated every two weeks by a doctor, but you’re going on a two-month trip. Many health insurance programs, including Medicare and Medicaid, expressly exclude most medical expenditures incurred abroad. Furthermore, most travel medical insurance only covers emergency medical bills.

Myth 2: Travel Insurance Is Only Necessary For Extreme Sports Trips

In reality, the reverse is true. Many types of travel insurance expressly exclude high-risk activities such as skydiving, scuba diving, and bungee jumping. If your vacation includes adventure sports, you may need to purchase a separate coverage that covers your specific activity.

Look for air activity coverage, which often includes activities such as zip lining and hot air ballooning as well as more daring efforts such as skydiving, hang gliding, and bungee jumping. Watercrafting, scuba diving, and deep-sea fishing are normally covered under a particular water sport policy. Snow sports coverage can also include snowboarding, skiing, heli-skiing, and ice windsurfing.

Myth 3: Only People With Medical Conditions Should Purchase Travel Insurance

If you have a pre-existing ailment, travel insurance will not cover you if it interferes with your vacation. Most insurance expressly excludes pre-existing diseases and travel against the advice of a physician. Understand that the term “pre-existing condition” can be rather wide. For example, if you experience a small heart attack while ascending the steps of the Eiffel Tower but have a history of hypertension, your claim may be refused. A pre-existing condition waiver can help you secure coverage for a more comprehensive policy.

Myth 4: Full-Time Travelers May Get The Most Out Of Their Travel Insurance

While regular travelers will undoubtedly profit more from an annual travel insurance policy or the travel insurance benefit of their credit card than someone who only travels a few times a year, someone who travels full-time — such as an ex-pat or digital nomad — may be out of luck. Check with your personal insurance company, although most travel insurance companies do not cover journeys that last more than 60 days. If your job allows you to work remotely and you’ve decided to become a full-time traveler, don’t expect your travel insurance coverage to come in handy. For vacations lasting more than 60 days, you may wish to consider digital nomad travel insurance.
So, for the best travel insurance in Calgary, approach Harpinder Sidhu, the unrivaled insurance expert in the area.