Spring break is just around the corner. And after making it through another Canadian winter, a spring break trip is more appealing than ever! From a cross-border weekend trip to a week-long luxe vacation, the options are endless.
As a savvy traveller, you know you’ll need travel insurance—it’ll cover you for accidents and medical emergencies outside your home province. And with all the delayed and cancelled flights in the news lately, you’ll want to be covered for missed connections and lost luggage, too. But we know that even if you’re spending big on your trip, you’re still looking for ways to save money on travel insurance costs.
That’s why we’ve put together a list of some spring break travel insurance options to help you save. That way, you can spend your hard-earned cash on things like a hotel room upgrade, premium excursion, or mouth-watering meal instead!
Want to save money on your flight too? Check out 7 Budget Flight Options for Canadians.
Choose the right travel insurance plan for your specific needs!
Start by thinking about what kind of traveller you are. This is to make sure that you get customized coverage for your needs. Instead of worrying about every possible scenario, think about the perfect fit, and buy only what you need instead of trying to get the cheapest policy.
For the family traveller—Family & Friends Travel Insurance
If you and one other adult (59 years old or younger) are travelling with up to 6 dependent children, you can save on your policy premium with a Family & Friends plan.
Here’s who can benefit from a Family & Friends plan
- Up to two individuals 59 years and under and up to six dependent children. (The individual(s) don’t have to be the parent(s) or guardian(s) of the dependent children.)
- Dependent children can be on a Family & Friends plan without an adult.
- All travellers will be covered under one Policy.
You’ll get benefits like:
- Emergency medical treatment for in-patient or outpatient care in a hospital
- Doctor’s services
- Ambulance
- Prescription drugs
- Emergency dental treatment
Also, it’s available as a Single Trip or Multi Trip Annual plan, so you can travel together with family members or separately. And if you purchase a Multi Trip Annual plan, you can travel as many times as you want during the year…and not have to worry about buying travel insurance every time.
Learn more about the Family & Friends plan here!
For the traveller who wants it all—All Inclusive Holiday Package
Love the thought of having coverage for all possibilities for your spring break trip in one package? If you are 59 years old or younger, consider an All Inclusive Holiday Package—you’ll get all the perks. Not only will you get Emergency Medical Insurance, this plan includes non-medical coverage that will protect you from:
- Cancelled or interrupted trips
- Lost or damaged baggage
- Accidental death and dismemberment
With this package, you’ll get handy, comprehensive coverage, plus you won’t have a deductible on your medical plan. This means you won’t have to pay if you need to make a claim.
For the frequent flyer—Emergency Medical Multi Trip Annual Travel Insurance
Live to travel? We do too! That’s why we love this option. If you’re travelling more than once a year, consider a Multi Trip Annual Travel Insurance plan. It’s more affordable than buying individual Single Trip Emergency Medical policies for each trip. And the more you travel, the more you save on travel insurance per trip.
With an Emergency Medical Multi Trip Annual plan, you’ll also save time. You won‘t need to worry about getting travel insurance every time you travel and can leave the country any time knowing that you’re covered.
Last-minute getaway, cross-border shopping trip, week of business travel? Yes, please!
For the globetrotter— Worldwide Excluding USA Emergency Medical plan
Medical costs are notoriously expensive in the USA. If you are travelling internationally but skipping the US, consider a Worldwide Excluding USA travel insurance plan. It’s less expensive than policies that include travel to the US, and you’ll be offsetting some of those costs by purchasing this plan, so that’s a win-win.
For the trip interrupted—Trip Interruption Insurance
Disrupted or interrupted trips can take a bite of your travel budget. If you want to avoid this, think about getting a Trip Interruption Insurance policy. No need to get Trip Cancellation & Trip Interruption bundled together if you’re just worried about interruption!
Trip Interruption Insurance covers you for specific events that happen on your trip or after you’ve started travelling, causing you to disrupt or interrupt your trip and travel home earlier or later than your original return date.
For example, this insurance covers costs if one of your flights is delayed and you end up missing a connection. While delays are annoying, knowing that costs for the following will be reimbursed by your travel insurance policy can reduce the sting:
- Accommodation
- Meals
- Internet service
- Cabs
So that’s the low down on travel insurance options that’ll help you save money on spring break travel or your next trip. Think about what kind of traveller you are before you buy—whether you’ll be travelling for spring break or later in the year!
Questions about what plans might be good for you? Post in the comments below!
Safe travels,
Melissa
Editor’s Note: This post was originally published in February 2019 and has been updated for freshness and/or accuracy.