Travel Insurance

Travel Insurance provides peace of mind by offering coverage irrespective of health condition. Secure your travel arrangements with a policy that ensures benefits without medical underwriting, ensuring protection and reassurance throughout your journeys. Safe travels!

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4.8 Stars
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Our Reviews

Excellent4.8 Based on 352 reviews from ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koyajs_loader
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Understanding Travel Insurance

Traveling is an exhilarating experience that allows us to explore new destinations, immerse ourselves in diverse cultures, and create unforgettable memories. Whether it’s a leisurely vacation, a business trip, or a backpacking adventure, the anticipation of embarking on a journey can be incredibly exciting. However, amidst the thrill of travel, it’s essential to consider the potential risks and unforeseen circumstances that may arise during your trip.

This is where travel insurance comes into play. It serves as a safety net, offering protection and peace of mind in the face of various travel-related contingencies. From flight cancellations and lost luggage to medical emergencies and unforeseen trip interruptions, travel insurance provides a financial cushion and support system to mitigate the impact of unexpected events. While no one anticipates encountering mishaps during their travels, having the right travel insurance in place can make all the difference in navigating challenging situations.

Key Benefits

Having a travel insurance offers several key benefits:

Emergency Health Coverage:

  • If you fall ill or get injured while traveling, travel insurance helps pay for emergency health expenses. This includes medical treatment, hospital stays, and ambulance services.
  • It provides peace of mind, knowing that you won’t face hefty medical bills in a foreign country.

Financial Protection for Unexpected Events:

  • Travel insurance takes your mind off “what ifs.” It covers financial consequences due to flight delays, cancellations, missed connections, baggage issues, and more.
  • Whether it’s a missed connection or lost luggage, travel insurance minimizes the impact on your wallet.

Assistance Services:

  • Many travel insurance providers offer additional assistance services. These can help with lost passports, finding translators, or locating nearby hospitals while you’re on vacation.

Different Types of Travel Insurance

Travel insurance encompasses a wide range of coverage to address the diverse risks associated with travel. The specific coverage provided can vary based on the insurance provider and the type of policy chosen. However, some common components of travel insurance coverage include:

Medical Travel Insurance

Travel insurance often includes coverage for medical expenses incurred during your trip, encompassing treatment for illnesses, injuries, and emergency medical evacuations.

Lost Baggage Insurance

In the event of lost, stolen, or delayed baggage, travel insurance can provide reimbursement for essential items and clothing until your belongings are recovered.

Trip Cancellation And Interruption Insurance

This feature reimburses you for non-refundable trip expenses if you have to cancel or cut short your trip due to unforeseen events such as bad weather, illness, injury, or family emergencies.

All-Inclusive Travel Insurance

This feature combines all the coverage types mentioned above, providing comprehensive protection. However, your premiums will be higher due to its extensive coverage.

Tips for Saving Money on Travel Insurance

The best way to save money on travel insurance is to compare rates from different insurance companies. This can be time-consuming, but it’s worth it. Luckily, Health Rates, do the hard work for you by checking rates from major Canadian insurers when you request a quote online.

Multi-Trip Policies for Frequent Travelers

If you travel at least twice per year, consider purchasing a Multi-Trip policy. These policies cover multiple trips and can save you money compared to buying separate policies for each trip.

Family Discounts

When traveling with family, look for insurers that offer reduced rates when you purchase travel insurance for at least three family members. Bundling family coverage can lead to cost savings.

Plan Ahead for Snowbirds

If you’re a snowbird (someone who spends part of the year in a warmer climate), consider purchasing your policy well in advance of your travels. Some insurers offer reduced rates in late summer and early fall.

Extend Your Trip Coverage

Instead of buying a new policy, top up your existing plan if you need to extend your trip. Contact your insurance issuer to discuss options for extending coverage without starting from scratch.

FAQ’s – Travel Insurance

Learn more about Travel Insurance with our FAQ section. Get answers to common questions about coverage, benefits, and more.

Travel insurance operates much like other types of insurance. By paying a premium, you gain benefits that can help mitigate the expenses resulting from unforeseen travel delays or emergencies. Depending on your specific plan, your travel insurance may cover a portion or all of your costs, including hotel reservation cancellations, non-refundable flight tickets, and lost baggage.

Travel insurance plans differ depending on the provider. However, they generally cover expenses related to travel emergencies and delays. These can include illness, ambulance services, lost belongings, tour cancellations, flight delays due to weather, and more.

Travel insurance safeguards you and your belongings in various situations, such as:

  • Injury
  • Trip delays
  • Lost baggage
  • Ambulance services
  • Illness
  • Trip cancellation
  • Medications
  • Medical emergencies

Similar to other insurance types, travel insurance rates differ based on the provider and the coverage required. Several factors influence your travel insurance rate:

  • Destination: The location you’re traveling to.
  • Activities: The type of activities you’ll engage in during your trip.
  • Group Size: The number of people traveling with you.
  • Claims History: Any past insurance claims you’ve filed.
  • Coverage Preferences: Your desired level of coverage.

While some provinces have arrangements for medical billing in case of out-of-province medical needs, this isn’t always the case. You’ll likely need to file a claim to recover your losses. However, even in such scenarios, you may not fully recoup your incurred costs.

The reason is that the cost of medical procedures varies across provinces. Your provincial plan might cover a portion of your medical expenses, but you could still be left with significant out-of-pocket expenses. Additionally, emergency transportation back home isn’t typically covered.

Considering these factors, travel insurance can significantly reduce your expenses during medical emergencies, even when traveling within Canada.

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4.8 Stars