Affordable Travel Insurance
Travel Without Worries, Anywhere in the World
Whether you’re exploring Canada’s breathtaking landscapes or heading overseas for an adventure, travel insurance is your safety net. From unexpected cancellations to medical emergencies, it ensures you’re financially protected no matter where life takes you.
At St. Andrews Insurance Brokers, we specialize in crafting travel insurance policies tailored to Canadian travelers. Our goal is to help you explore confidently, knowing you’re covered for the unexpected.
Get a QuoteWhat Is Travel Insurance?
Travel insurance provides financial protection against unforeseen events that could disrupt your trip or result in significant expenses
Travel insurance provides financial protection against unforeseen events that could disrupt your trip or result in significant expenses
Why Choose St. Andrews for Travel Insurance?
At St. Andrews Insurance Brokers, we make travel insurance easy and stress-free. Here’s what sets us apart:
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Expert Guidance: Decades of experience helping Canadians navigate travel insurance.
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Tailored Solutions: Coverage customized for your destination, travel style, and budget.
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Access to Top Providers: We partner with Canada’s leading insurers for the best options.
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Reliable Support: From selecting a policy to filing claims, we’re here for you every step of the way.
Travel with confidence knowing St. Andrews Insurance Brokers has you covered.
What Travel Insurance Covers
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Emergency Medical Care: Covers hospital stays, doctor visits, and medications abroad.
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Trip Cancellations and Interruptions: Reimburses non-refundable expenses if your plans change unexpectedly.
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Lost, Stolen, or Delayed Baggage: Protects against the inconvenience of missing luggage.
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Travel Delays: Covers accommodations and meals during unexpected delays.
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Accidental Death and Dismemberment: Provides financial protection for serious accidents.
St. Andrews ensures your policy aligns with your travel plans, whether you’re exploring Canada or venturing abroad.
Why Canadians Need Travel Insurance
Even the best-planned trips can encounter challenges. Travel insurance provides peace of mind by addressing potential risks and financial burdens:
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Avoid Financial Losses: Recover prepaid expenses if your trip is canceled for the reasons covered.
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Protect Against Medical Costs: Healthcare abroad can be expensive, and travel insurance ensures you’re covered.
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Navigate Unfamiliar Territories: Get professional assistance for emergencies in foreign countries.
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Peace of Mind: Focus on enjoying your trip, knowing you’re prepared for the unexpected.
From cross-country adventures to international getaways, St. Andrews helps Canadians protect their travels.
Your Travel Insurance Options
How Much Does Travel Insurance Cost in Canada?
The cost of travel insurance depends on various factors, including your destination, age, and coverage type. Here’s a breakdown of what influences your premiums:
- Age: Older travelers may face higher costs due to increased health risks.
- Destination: Trips to countries with higher medical expenses often come with higher premiums.
- Duration: The longer the trip, the more expensive the insurance.
- Pre-Existing Conditions: Policies covering health conditions may require additional premiums.
- Coverage Level: Comprehensive plans cost more than basic options.
At St. Andrews, we’ll help you compare rates and find an affordable policy that offers robust protection.
Common Travel Insurance Claims
Travel insurance is invaluable when the unexpected happens. Here are some of the most common claims we see from Canadians:
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Lost or Stolen Baggage: Compensation for replacing personal belongings.
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Canceled Flights or Trips: Reimbursement for prepaid expenses like flights and accommodations.
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Medical Emergencies: Coverage for accidents, illnesses, and hospital stays abroad.
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Travel Delays: Coverage for meals and accommodations due to unexpected disruptions.
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Accidental Injuries: Financial support for severe injuries sustained while traveling.
With St. Andrews, you’ll have the guidance and support you need to handle claims quickly and efficiently.
What Travel Insurance Doesn’t Cover
While travel insurance provides extensive protection, it doesn’t cover everything. Common exclusions include:
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Non-Covered Pre-Existing Conditions: Conditions not disclosed or approved in advance.
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Illegal Activities: Incidents resulting from unlawful actions won’t be covered.
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High-Risk Activities: Extreme sports like skydiving or mountaineering may require additional coverage.
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Non-Medical Cancellations: Changes in plans unrelated to covered reasons.
Our brokers at St. Andrews will explain your policy in detail and recommend add-ons to address any gaps.
How to Save on Travel Insurance
- Bundle Coverage: Combine travel insurance with other policies for discounts.
- Choose the Right Policy: Avoid over-insuring by selecting coverage that matches your travel plans.
- Shop Early: Purchasing insurance when booking your trip can reduce costs.
- Ask About Discounts: Look for savings on multi-trip plans or family coverage.
- Use a Broker: St. Andrews compares options from multiple providers to find you the best deal.
Let us help you secure affordable, comprehensive coverage for your next adventure.
Get a Quote
Travel Insurance – FAQs
Yes, many policies now include coverage for COVID-19-related medical expenses, cancellations, and trip interruptions. Coverage specifics vary, so be sure to review the policy details or speak with our brokers for clarity.
Even for domestic trips, travel insurance can be beneficial. It helps protect against unexpected costs like trip cancellations, lost luggage, or travel delays, ensuring peace of mind while you explore Canada.
Travel insurance can still be purchased after booking your trip, but buying early is recommended. Policies secured closer to your departure date may have limitations, such as reduced cancellation or interruption coverage.
Standard policies typically exclude coverage for high-risk activities, but additional coverage can be added. Let us know about your plans, and we’ll help you secure protection for your adventurous pursuits.
Filing a claim involves contacting your insurer, providing documentation such as receipts or medical reports, and completing required forms. At St. Andrews, we’ll guide you through the process to make it as stress-free as possible.
Travel Confidently with St. Andrews Insurance Brokers
Travel should be about creating unforgettable memories, not worrying about unexpected setbacks. At St. Andrews Insurance Brokers, we’re committed to helping you enjoy every moment of your journey with the assurance that you’re protected, no matter what happens.
From missed flights to unforeseen medical emergencies, our travel insurance solutions are designed to address the unique challenges of every trip.
Get a Quote!
Don’t leave your next journey to chance. Reach out to St. Andrews Insurance Brokers today to find the perfect travel insurance policy for your needs.