Travel Guard travel insurance
 
 
WHY PURCHASE TRAVEL INSURANCE?
 
The goal of excess travel insurance is to cover the difference between your health care provider's contribution and the real cost of your medical care outside of your area of residence or plan coverage area. In actual fact, your health care provider does not cover the total cost of care. Your excess travel insurance will then pay the portion that your health care company will not pay, for all perils insured under the travel medical policy.

You should never leave home without an insurance policy designed to cover your medical needs. If you find yourself having to consult a doctor or visit a hospital while away, our 24 hour claims department will guide you through every step of the way. If you are unable to reach our claims department for yourself, your travel companion must establish a bridge between you and the insurer. You will be assigned a claims representative who will work in your best interest to get you the medical help that you require and who will assist you throughout your medical treatment. In most cases, direct payment can be easily arranged with the care provider; your peace of mind is our first commitment.
 
WHAT TO LOOK FOR
 
Before signing your insurance policy, it is very important to verify :
  • The accuracy of the information given on your medical condition.
  • The details of your medications and the reasons they are prescribed.
  • Verify that your policy includes the coverage that you requested.
  • The accuracy of your travel dates.
  • The accuracy of additional information:
    • Date of birth
    • Date of trip
    • Type of payment
Before you leave home, it is important to verify:
  • The validity of your insurance
  • The circumstances under which your insurer is responsible for your medical care.
  • Any exclusions on your policy.
  • If a pre-existing condition is covered, and if you have enough coverage.
  • If you can extend your policy if you decide to stay longer.
  • If you have to pay a deductible and, if so, what the details are.
  • The departure and return dates on your policy are correct.