Why Your Travel Insurance Needs to Cover All Your Travel Days

We have heard from our clients over the years about the many issues they have faced with travel insurance. One of the biggest, yet simplest, to avoid is the denial of coverage due to incomplete?travel?date?coverage.?By not covering the entire length of your trip, from the day you leave your home province to the day you return, your entire contract can become null and void.

Imagine this scenario: you're heading abroad for an exciting adventure, but your travel insurance doesn't start until you arrive at your destination. This can cause several issues.

Firstly, you are without any coverage during the onset of your trip. If anything were to happen while travelling within Canada or waiting for your international flight, you would have no protection.

Secondly, even if something were to occur during the coverage period while at your destination, the lapse in coverage may have already voided your insurance contract. Your claim can be denied due to incomplete coverage; the insurance company may not be obligated to provide any benefits or reimbursements for claims made during the trip even if they happened while coverage was in effect.

This is?why activating your travel insurance on?the day you begin your trip until you return home?is absolutely vital. It's not just about reaching another country—coverage needs to begin right from the start of your journey, even while travelling within Canada, and?remain?in place until you?return home?through your front door.?