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The Truth Behind 5 Travel Insurance Myths & Misconceptions

Travel insurance is an important part of any trip, but there are a lot of myths and misconceptions surrounding it. In this blog, we’ll look at some of the most common myths about travel insurance and the truth behind them.


Myth #1: Travel Insurance Is Just Another Word for Medical Insurance


This is a common misconception, but travel insurance and medical insurance are two very different things. Medical insurance is meant to cover medical expenses incurred during a trip, while travel insurance is designed to protect against a variety of risks associated with travelling, such as trip cancellation, lost luggage, and more.

Travel insurance can also provide coverage for medical expenses, but it is not the same as medical insurance. It is important to understand the differences between the two so that you can make sure that you have the right coverage for your trip.

Myth #2: You Can Wait Until You Are Home before Filing a Travel Insurance Claim


Another common misconception is that you can wait until you are home before filing a travel insurance claim. However, this is not the case. If you experience any kind of disruption or hardship during your trip, you should file a claim as soon as possible.

Filing a claim immediately will ensure you get the coverage you need and help you avoid any potential delays or problems. Additionally, some travel insurance providers may not cover claims that are filed after you return home.


Myth #3: Travel Insurance Is Only for People with Medical Issues


The truth is that travel insurance is for everyone, regardless of medical conditions. Even if you are healthy, travel insurance can provide protection in the event of a medical emergency.

It can also cover lost or stolen luggage, flight cancellations, and other unforeseen expenses. It is important to research the different types of travel insurance available to find the best coverage for your particular needs.


Myth #4: Only Full-Time Travelers Can Maximize Travel Insurance


Many people mistakenly believe that only full-time travellers can benefit from travel insurance. However, this is not true. All travellers, regardless of how often they travel, can benefit from the protection of travel insurance. Travel insurance can be tailored to meet the needs of any type of traveller, whether they are taking a single trip or multiple trips throughout the year.


Myth #5: Travel Insurance Is Perfect for Trips Involving Extreme Sports


Travel insurance can be useful for trips involving extreme sports, but it’s important to know that it may not cover all your activities. Most policies will only cover activities considered “reasonable” and “safe”.

Additionally, some activities may not be covered under the policy at all. Be sure to read the fine print of your travel insurance policy to make sure that the extreme sports you’re planning on participating in are covered.

Final Thoughts

The bottom line is that travel insurance can be beneficial for anyone, regardless of their medical status or how often they travel. Don’t let myths and misconceptions keep you from taking advantage of this important protection. Talk to your travel agent or insurer to find the best policy for you and your travels.

Do you need travel insurance in Saskatoon? Let our team at Cooke Insurance help you. We offer policies and coverage options that will ease your worries while you’re out on the road. Give us a call to discuss the best insurance coverage for your situation.

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