The Mikuska Group  

Insurance is not just for you

A tragic story out of Cuba this week underscores the importance of having the right travel insurance for your needs – and also for the needs of your family and loved ones back home.

The death of two parents is hard enough to bear. Add to that the necessity to ask others to help pay for bringing their bodies home makes the situation much harder. Figuring out how to bring loved ones home is even harder.

Most reputable insurance companies offer plans that will cover the cost of bringing remains home, as well as a help line staffed 24 hours a day, 365 days a year. They will help arrange for the return home, but also will cover costs to have the body prepared and the cost of standard casket or urn.

Insurance can also cover the cost of sending someone to identify the body including airfare and some expenses, including covering that person with emergency medical insurance.

Even in a medical emergency with a less tragic outcome, the assistance centre can provide a number of services, including but not limited to:

  • a referral to a doctor, hospital or other health care provider
  • monitoring your emergency and keeping your family informed
  • translation and interpreter services
  • arranging for return transportation home when medically necessary.

Of course, no one goes on vacation expecting not to return. But consider that your insurance is bringing peace of mind to your family. The devastating impact of any medical emergency goes far beyond the person in medical distress.

Consider your insurance an investment in your family’s well-being.

Julie Mikuska.


Protect yourself

How many of us have snuck across the border for a quick trip to the USA and not bothered to purchase travel insurance? Or decided it was “too expensive”, or you believe your credit card or work insurance covers you adequately?  I bet a lot of you fall into these categories. You’re taking a huge risk.

Many people pass on taking out travel insurance because they don’t think anything will happen to them while they’re away, or that they are “perfectly healthy” and so not at risk. The truth is, anything can happen at any time, and you need to have those risks covered.

Your provincial health insurance doesn’t even come close to covering the cost of a hospital stay in another country. Consider this – you could be on the hook for hundreds of thousands of dollars in hospital fees if you fell off your golf cart and broke your leg. Or you were asked to leave your Mediterranean cruise because you were feeling faint and ended up in an Italian hospital having a pacemaker installed. (By the way, these scenarios actually happened to friends and family!)

Beyond the sheer cost of no insurance, you would probably be inundated with decisions about what to do in a foreign land, possibly without anyone around who speaks your language. Trying to navigate systems, making arrangements for travelling companions,  and covering the extra costs of accommodation, meals and travel home would also weigh heavily on you.

The right kind of travel insurance can cover all of these things, and provide 24/7 assistance prior to and during your trip. Fortunately, now that you are aware of the risks, you can purchase insurance anytime before you go. If you can afford that cruise, or quick trip to the US, you can afford to protect yourself.


Blog Archives

Articles By Category