Travel

Of all the misconceptions we hear about insurance, none is more common that the inaccurate belief that the Territorial Heath plan will cover medical expenses while on out-of-territory travel. There is only one cold, hard truth; your government health care plan will only cover certain emergency medical expenses that you incur while away on travel, whether for work or pleasure.

Purchasing an Emergency Travel Insurance policy is a highly-inexpensive way to protect yourself and your family from the devastating burden of medical bills incurred if you are injured or get sick while travelling outside of your territory of residence. In fact the cost can be only a few dollars per day!!

Every individual and every family has different travel plans and therefore different travel insurance needs. Like most forms of insurance, Emergency Travel Insurance can be customized with many options:

The Base Coverage

Emergency hospitalization (semi-private) and emergency medical services. This coverage provides $5 million in excess of your territorial health plan. In addition to this coverage, the following benefits are provided*:

  • meals and accommodation
  • transportation of family or friend
  • return of travelling companion
  • attendant
  • return of vehicle or watercraft
  • pet return (dog or cat)
  • return of deceased
  • accidental dental
  • dental emergencies
  • emergency transportation
  • return to original trip destination

*limits, conditions, and exclusions apply to these benefits, please speak to one of our advisors for details.

Optional Coverage

In addition to the Emergency medical base coverage, you can purchase additional coverage based on your own needs*:

  • Baggage
  • Accidental Death & Dismemberment
  • Flight Accident
  • Trip Interruption
  • Rental Car Collision Damage Protection
  • Trip Cancellation

*limits, conditions, and exclusions apply to these benefits, please speak to one of our advisors for details.

We offer coverage on a single-trip basis and we offer annual policies for those clients that take many trips over the course of a year.

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