Travel Insurance
Travel insurance offers peace of mind by offering protection against certain financial risks and losses that can occur while traveling, allowing you to relax and enjoy your next vacation. If you are an Ontario resident planning to travel outside the province or out of the country, make sure to pack the right insurance policy before you go.
Benefits
- It can financially help with medical emergencies overseas or the cost of other medical treatment that isn’t covered by the provincial health plan.
- If you experience a last-minute trip cancellation or need to return from your trip early, insurance can help with the associated fees.
- Comprehensive policies also include coverage for theft, loss, or damage of your luggage and personal effects in a range of circumstances.
- It is available through Merit is available for individuals, couples, or families; policies are available for a single trip or annual/multi-trip policies.
No matter how good your travel package looks, make sure your vacation goes according to plan. Click here to get a Travel Insurance quote or contact Merit Insurance Brokers to learn more.
FREQUENTLY ASKED QUESTIONS
Does my travel insurance cover lost or delayed baggage?
Yes, most travel insurance policies cover lost or delayed baggage, if Lost-baggage is purchased. However, coverage and limits may vary between policies, so it’s important to check the details of your specific plan.
What is the maximum coverage for my lost bag?
Baggage Loss, Damage & Delay Insurance covers the loss of, damage to, and delay of the baggage and effects that belong to you and that you use during your trip. More specifically, this insurance provides you with reimbursement for the following expenses:
- Up to $100 in total per trip for the replacement of a lost or stolen passport, driver’s licence, birth certificate or travel visa.
- Up to $500 in total per trip for necessary toiletries and clothing when your checked luggage is delayed by the carrier for at least ten (10) hours while you are en route. The maximum payable for this benefit under the Multi-Trip All-Inclusive plan is $1,500 per policy.
- Up to $300 per trip for any item or set of items which is lost or damaged during your trip to a maximum of $1,000. The maximum payable for this benefit under the Multi-Trip All-Inclusive plan is $3,000 per policy. Jewellery or cameras (including camera equipment) are, respectively, each considered a single item.
Does travel insurance cover trip cancellation?
Yes, travel insurance can cover trip cancellation in Ontario. However, coverage and terms may vary depending on the policy and the reason for cancellation. It is essential to carefully review the policy details and consult with the insurance provider to ensure that you have adequate coverage. Some policies may provide coverage for certain unexpected events, such as illness, injury, or natural disasters, that may force you to cancel your trip.
What is the coverage for medical emergencies?
What does Emergency Medical Insurance cover? Emergency Medical Insurance covers you for up to $10,000,000 CDN of covered expenses incurred as a result of treatment required by you during your trip if a medical emergency begins unexpectedly after you leave home, but only if these covered expenses are in excess of any amount covered by your government health insurance plan or any other benefit plan. The treatment must be required as part of your emergency treatment.
Toronto Office
111 Gordon Baker Rd. Ste 100
North York, ON M2H 3R1
Tel: (416) 497-5556
Fax: (416) 497-9212
Toll Free: 1 (800) 563-3383
welcome@merit-insurance.com
Waterdown Office
20 Main St. N, Unit 7, P.O. Box 879
Waterdown, ON L0R 2H0
Tel: (905) 690-6888
Fax: (905) 690-4229
Toll Free: 1 (800) 563-3383
welcome@merit-insurance.com