Individual Single Trip Insurance Not ready to purchase online? Receive a quick estimateFind a BCAA Service Location Who is this plan for? If you are an individual who travels outside B.C. once or twice a year, this plan could be the simplest and most economical option. For individuals who are 60 years of age and older, you may need to complete a medical health questionnaire. If you're unsure how to answer these questions, please print a copy and discuss it with your physician. What does the plan include? Comprehensive $10,000,000 CAD in emergency excess hospital/medical insurance coverage $200,000 CAD optional coverage for people who have unstable pre-existing medical conditions Your choice of emergency medical provider Toll-free emergency assistance 24 hours a day, 7 days a week Option to purchase additional coverages to meet your needs What are the eligibility requirements? You are a Canadian resident You purchase the plan while in B.C.
You aren't travelling against a physician's advice You haven't been diagnosed with a terminal condition Find out more about eligibility requirements, see policy wording PDF). What countries am I covered in? Depending on where you are travelling, you can choose: Worldwide excluding USA (coverage is limited to travel outside the USA except for transit through or stopovers in the USA of up to five days) What if I have already departed for my trip? If you have already left B.C., coverage may still be available. To inquire, see the Manage your policy page for contact information. We are traveling to Cuba in July and I understand that Cuba will not accept travel insurance that is American based or where the underwriters are American. We have Barclays premiere travel insurance (covers worldwide) through the bank and the underwriters are Chartis Insurance UK Ltd. it is uk based and looks after the European region but forms part if an international insurance company owned by Americans.
Has anyone travelled under this insurance? Or can anyone give advice on travel insurance to Cuba. You would need to check with the insurer if they cover Cuba as worldwide doesn't automatically include Cuba. Any comparison site you can check for company's that cover CubaCuba will not accept travel insurance that is American based or where the underwriters are American..."Cuba doesn't care - nor does Aduana (Immigration/Customs) have the resources to confirm one way or the other - whether your insurance is valid, or not. All they care about is seeing a little piece of paper that appears to state that you have insurance. The only thing for you to worry about is to confirm yourself that your insurance company does indeed include Cuba. Lastly, the chances of you being asked for proof of insurance is almost zero, but most people would agree that unless you have very deep pockets then insurance is a good thing for international travel. I have AXA Worldwide cover through Citibank in London, UK.
I never had to use it (thanks my health) though. There was no issie when receiving a tourist card when I showed this insurance at the consulate. Neither do they care in Cuba. I double-checked with AXA that Cuba is covered and it was the case- just confirming above posts.Cuba will not accept travel insurance that is American based or where the underwriters are American..." This is partly true but the insurance company won't voluntarily reveal this. My friend found out her Canada BCAA insurance was not recognized at the hospital and she had to pay herself for treatment, Chartis are now know as AIG (again), I work for AIG (although not in that department) and am pretty certain that we cannot provide cover for Cuba as we are an American company and subject to the sanctions. We also own Direct Travel and I know for sure they do not provide any cover for trips to Cuba (having been to Cuba twice and wanting to use the staff discount!) so I'm sure it will be the same for our own branded policy.
I would recommend you call the contact number on your policy and ask for clarification before you leave as it may be necessary for you to find alternative cover. -:- Message from TripAdvisor staff -:-This topic has been closed to new posts due to inactivity. We hope you'll join the conversation by posting to an open topic or starting a new one./pages/forums_posting_guidelines.htmlWe remove posts that do not follow our posting guidelines, and we reserve the right to remove any post for any reason. Help with understanding Cayo Largo Quick Tips - Just Returned from Havana Trip Cuba Explorer vs. Discovery Corps Nice CAYOS near Varadero?? Why can't packaged vegetable seeds be taken over? Travel Visa for Cuba Can non-US citizens travel from Cuba to US? Is typhoid vaccine necessary for short stay in Havana? See All Cuba Conversations Cuba ... where's the best place to go? Best Adults only resort in Cuba? Where to stay in Cuba?
Cuba weather in september Cuba Weather in October weather in july and august please Is Dukoral worth it? Don Lino , Holguin Cuba vs Dominican RepublicFind flights, hotels, car rentals and more Your journey starts with a single step. And a good map. TripTik Travel Planner ® Route & Weather Info BCAA helps with every part of your trip. BCAA is the only organization authorized to issue International Driving Permits in B.C.I got all the prices below and information in 2012 2014 2015. I’ve verified all of the prices and policies as of 2016. Travel insurance can kill a travel budget for anyone. We feel the pinch especially hard, since we’re buying travel insurance for a family of four. When I searched high and low for travel insurance comparisons and reviews for our upcoming trip, I found absolutely nothing (other then the awesome Kanetix ) that would help me compare prices and insurance. So I had to do hours of legwork to get the best prices and policies, and I’ve shared them in this review.
For six months of travel, for a family of four, we got quotes ranging from $418.51 to a whopping $2,461.92 for worldwide travel medical insurance, including the USA. Prices and policies can change almost overnight, so do your own research. This travel insurance review should give a great starting point, though. All prices are in Canadian dollars, although some of the companies (especially World Nomads) will cover people all around the world. A quick explanation before I name names and point fingers in the review. Travel insurance almost always means medical travel insurance, which includes set amount of coverage (usually one to five million dollars per person for travel accidents and illness). Many travel insurance packages include coverage for baggage, trip cancellation, trip interruption and even emergency dental. Only buy what you need, and you’ll save a lot of money. World Nomads travel insurance, available through Lonely Planet, was one of the cheapest policies we found, that also happens to include a lot of extras like trip cancellation and coverage for sports.
World Nomads travel insurance is underwritten by Travel Guard AIG Insurance Company of Canada. When we took our trip, I didn’t know about World EscapadeHowever, I’ve included them in this 2014 update, as they offer one of the cheapest plans available, and they would have definitly made our short list. TuGo (formerly called Travel Underwriters) is one of Canada’s biggest travel insurance companies, and they surprised us with one of the best rates. We signed up with TD Meloche Monnex: Wide Horizons Solution on our last six month trip though Costa Rica, Mexico, Florida and Texas. Although we didn’t have to make a claim, their customer service was extremely professional and patient when answering all of my questions about the quote. We used travelcuts Globetrotter insurance for our last trips to Asia and the Philippines. We ended up claiming a few days in a hospital in Thailand, and travelcuts was great to us. If we’d been a single traveller on this trip, then travelcuts would probably have been our first choice for insurance.
With a whopping 547 days for a maximum policy length, travelcuts is a well worth looking at if you’re planning a longer trip. travelcuts has several plans, but we were interested only in the Emergency Medical Plan D. This plan does not include trip cancellation or trip interruption insurance. itravel2000 is one of my favorite sites to search for cheap all-inclusive last minute getaways and hotel rooms, so I thought I’d check out their travel insurance. BMO travel insurance is one of Canada’s biggest names in travel insurance, so I thought I’d try them out. Sunova Credit Union with purchase of Sunova Gold credit card with $65 annual fee. The Sunova credit card issued by a small credit union in Manitoba, Canada, but based Desjardins credit card. If a Sunova card isn’t an option, a Desjardins card is very similar. The fees and details for the Desjardins card may vary a bit. is on online insurance quote consolidator. I’m a big fan. They’ll let you compare a number of quotes side by side, and they’re usually a fairly good deal.
They do all sorts of insurance, including home, auto, and tenant’s insurance. The best deals on Kanetix For trips of 60 days or less, consider getting a credit card with medical travel insurance. These often offer trip cancellation and interruption, along with baggage insurance. For Canada travel insurance, the cards we looked at were Sunova’s (Desjardins Travel Visa) Gold card ($65 annual fee, which included travel insurance), and BMO’s Air Miles Mosaic Gold Card (which charged $99 for travel insurance on top of the annual credit card fee). Note: If you decide to use only your credit cards built in travel insurance, make sure that you’re covered for the duration of your trip (you can often extend coverage for an additional fee) and that you qualify since some cards that include travel insurance have specific riders that might not cover you if you fall outside of their policies parameters. Baggage coverage insures your bags while in transit (in airplanes, though this may extend to buses and taxis).
Personal effects coverage covers your belongings anywhere, on any portion of your trip. This sounds nice in theory, but I found that most policies had some serious exclusions. They would only cover losses with a police report (makes sense, but a police report can be pretty damn hard to get in a lot of countries). On top of that, most policies would not insure belongings that were unattended. That means that if your wallet is stolen from your beach chair while you’re body surfing, you’re out of luck. Even more important, most policies wouldn’t cover loss or theft of computers, cameras, or cell phones, or jewelery. The only expensive things most people travel with aren’t covered. Here’s a little trick, though. If you have insurance on your home or tenant’s insurance, then your belongings might be covered on your trip. Usually there’s a limit (around 10% of the total coverage on your original policy), and your deductible applies to any claims while travelling.
World Nomads had pretty good coverage for personal effects, including computers and camera equipment. Trip cancellation and interruption generally only cover the portion of your trip that you buy before you leave. Not especially useful for us, since we’re only buying a one-way ticket to Mexico before we leave, and the rest of our tickets will be bought once out of Canada. Not having a set itinerary means that we’ll buy onward legs (by plane, train, car, taxi, water taxi, ferry, cruise liner, or bus) as we need them. I couldn’t find a single travel insurance policy that would cover purchase of additional legs once we left home. Trust me, I tried. A lot of Canada travel insurance reviews don’t mention this, but it’s important: If you’re gone for more than six months, ensure you get a written extension from your provincial health care plan (this applies only to Canadians). We’ve had so many great responses to this article that we realized that other travellers were having the exact same problem we had: There are no good websites that do a good job of reviewing and comparing Canadian travel insurance.