Travel insurance: What are the benefits?

Compare benefits to choose the best health coverage for your trip

Reimbursement of medical expenses: healthcare, pharmacy and hospitalization

You should check that your medical expenses are covered at 100% and that the coverage provides for the payment of expenses directly in case of hospitalization. For medical consultations or the purchase of medications, you will be reimbursed a few weeks after the “incident” based on your bills. So you should not forget to keep your bills!

Repatriation and Assistance

Repatriation is pretty rare but if the situation arises, it may cost you a lot when you have not purchased a travel insurance policy.

Personal Accident

Insurance policies generally provide for the repatriation of the body in case of death, the payment of the trip for a family member, death benefits and disability capital.

Civil Liability Insurance

This feature is really important if you are traveling to countries where medical costs are high. For example, if you rent a car in California and you have an accident causing an injury to a third party, without this civil liability insurance, this accident can ruin you…
Legal assistance is generally included in the travel insurance policy. However, civil liability for personal injury and damage caused to a third party is sometimes offered as an option only. You should pay close attention to the contract you sign.

Trip Cancellation / change

This benefit is often offered as an option and must be purchased at most 24 hours after the purchase of airline tickets. Upon presentation of proof, it allows you to be reimbursed in case of cancellation or modification of your trip.

Luggage insurance

This benefit covers you in case of loss, theft or damage of your luggage. It can be included in the policy or offered as an option. This benefit should be taken into consideration if you travel with valuable equipment.

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