Travel Guard® Real Life Situations

Stories about Travel Insurance

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Nobody ever plans on experiencing an expensive emergency while travelling.

Your Government Health Insurance Plan (GHIP) and other insurance such as employee group benefits and credit cards may not adequately provide the full coverage required to safeguard you on your trip. Even if you are just travelling to another province, your GHIP insurance may not cover all your expenses. The following real-life scenarios demonstrate the necessity of purchasing travel insurance before you embark on your trip.  

Emergency Medical

A 50-year old woman collapses aboard a cruise ship in the Caribbean. After examining her, the ship's doctor recommends she be taken to the nearest island hospital at the next port of call where very little English is spoken.

Total medical cost was $50,000 which included the ship's doctor's expenses, local hospital expenses, emergency air ambulance back to her country and air transportation home for the other family members travelling with her.  Travel Guard's multi-lingual emergency assistance counsellors worked with all of the medical teams to ensure she had a hospital bed waiting for her and to organize the best possible care.

Trip interruption reimbursed her $10,000 for the lost portion of the pre-paid cruise.

Once all the medical bills had been settled by Travel Guard directly to the various medical suppliers, her GHIP only covered 4% or $2,000 of her $50,000 claim.  Had she not purchased Travel Guard's Deluxe All Inclusive Package, she would have been responsible for paying the medical bills on her own.

Trip Cancellation

Mom and Dad could finally afford to take their children on their dream vacation. By the time they paid for the flights, hotel accommodations and day passes to their favourite theme park their trip cost totalled $12,000.00.

Two days before their scheduled departure Dad was involved in a car accident and was hospitalized.

There was no way the family could go on their trip now which meant they were going to have to cancel everything. With the accident happening only days before their departure date, their trip deemed non-refundable by the tour operator which means the family would not received their money back from the tour operator.

Thankfully, the family purchased Travel Guard’s Deluxe All Inclusive Travel Insurance Package and they were reimbursed for the full amount of the non-refundable portion of their trip. This means they can still take that dream vacation they had planned to take.

Trip Interruption

No matter if you have pending nuptials or you tied the knot long ago, you know that a lot goes into planning a wedding and honeymoon. At this special time in your life you look forward to relaxation, reflection and looking ahead to an exciting future together – not potential travel mishaps.

This happy couple had booked and paid for an Alaskan cruise. The day after the wedding they drove to the Montreal airport to catch their flight to Vancouver.

Due to inclement weather, their flight was delayed causing them to miss their cruise. Without travel insurance, the honeymooners would have had to find and pay their own way home or find a way to catch up to the cruise ship without any assistance.

Fortunately, they had travel insurance through Travel Guard. With one phone call they received emergency travel assistance and coverage for their missed travel arrangements. Travel Guard was able to make new hotel arrangements for the couple and catch them up to the cruise ship hassle-free! The couple was able to enjoy their honeymoon.