Travel Insurance
Why Travel Insurance Matters
Exploring the great outdoors is full of unforgettable moments—but it’s also full of the unexpected. Travel insurance gives you peace of mind, knowing you’re protected no matter what happens. From medical emergencies to trip cancellations, we’ve got your back every step of the way.
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Trip Cancellations or Delays
If plans change due to weather, illness, or unforeseen events, travel insurance can help cover your losses.
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Emergency Medical Coverage
Accidents happen, even on the most well-planned trips. Insurance ensures you’re covered for hospital visits, treatment, or evacuation if needed.
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Lost or Delayed Baggage
If your gear or belongings are lost, delayed, or damaged during your travels, insurance can help replace them.
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Adventure Specific Coverage
Many policies cover outdoor activities like hiking, trekking, and other adventure sports, so you can explore with confidence.
Frequently Asked Questions
Do I really need travel insurance?
Yes! Travel insurance ensures you’re covered in case of unforeseen circumstances like medical emergencies, trip interruptions, or equipment loss. It offers peace of mind so you can focus on enjoying your adventure.
What does travel insurance typically cover?
Most travel insurance policies include:
- Trip cancellations or interruptions
- Emergency medical expenses
- Lost, delayed, or damaged luggage
- Travel delays
- Emergency evacuation (e.g., from remote hiking locations)
- Coverage for specific adventure activities (if applicable)
Does travel insurance cover adventure activities like hiking?
Many policies offer coverage for outdoor activities, but it’s important to double-check your plan to ensure it includes hiking, trekking, or other adventure sports. Some policies may require additional coverage for high-risk activities.
Can I purchase travel insurance after booking my trip?
Yes, you can purchase travel insurance at any time, but it’s best to buy it as soon as you book your trip to ensure coverage for cancellations or other pre-departure events.
What happens if I need medical care during my trip?
If you have travel insurance, your policy will typically cover medical expenses, including hospital visits, medication, and emergency evacuation if required. Make sure to keep all receipts and documentation for claims.
How do I file a claim?
To file a claim:
- Contact your insurance provider immediately.
- Provide necessary documents, such as receipts, medical reports, or proof of delays.
- Follow their specific instructions for submitting a claim.
Does travel insurance cover cancellations for any reason?
Not always. Standard policies cover cancellations due to specific events like illness, weather, or emergencies. For broader coverage, look for “Cancel for Any Reason” (CFAR) policies, which often cost more but provide added flexibility.
How much does travel insurance cost?
The cost varies based on factors like trip length, destination, age, and coverage level. On average, travel insurance is 4-10% of the total trip cost.
Protect yourself against unexpected emergency medical expenses and more while traveling with a Manulife travel insurance plan.
Coverage may include:
- Trip Cancellation and Interruption
- Emergency Medical
- Baggage Loss, Damage and Delay
- Travel and Flight Accident
Ripcord provides coverage for unexpected emergency medical expenses with a comprehensive travel insurance plan.
Coverage may include:
- Trip Cancellation and Interruption
- Emergency Medical and Dental
- Baggage Loss, Damage and Delay
- 24 hour Assistance Services
- Travel and Flight Accident
