Plain and Simple ‘Travel Insurance’ is anything but ….
This Website has been created by ‘Watson Travel Insurance’
to provide the many (beleaguered) Canadian travelers with
(more than) enough information to help them to better
understand the complex nature of ‘Travel Insurance’.
Based on over 20 years of being very actively involved in the
travel industry as a travel writer, a retail travel agent and
most recently (since 1999) a licensed travel insurance
broker I have experienced the painfully slow and somewhat
confusing evolution of the ‘Out-of-Country Emergency Travel
Insurance’ product. However, at long last, I am pleased to
report that the travel insurance industry appears to be heading
in the right direction!
During the fall/winter 2006-2007 travel season I placed over 600 personalized travel insurance policies. Virtually all of these policies were discussed and written at my clients’ kitchen tables in their homes located in the 15 counties surrounding London, Ontario. These clients ranged in age from under 1 year to over 90 years. They made trips lasting from one day to 213 days and visited over 20 different countries on 6 continents.
And yes there were claims relating to accidents and, more commonly, medical situations. Most of these claims were basic procedures handled seamlessly behind the scenes … but a couple of more complicated situations required the joint efforts of numerous health facilities, their doctors, specialists and evacuation services along with the hard work of the underwriters, claims adjusters and support staff of the insurance companies to provide the services required. It’s how they handle the tough situation that truly indicates the quality of each company’s product and support networks.
Before you make that final decision on a travel insurance product in which to place your trust and invest your money there are two basic questions that you should be able to answer positively with the up most of confidence …
1: Do I have a thorough understanding of my medical situation as it pertains to the coverage I am considering?
2: Do I have a thorough understanding of the terms and conditions plus the intent and meaning of the medical questions along with a solid understanding of how the exclusions outlined in the policy can affect my eligibility for complete coverage. If your answer to either question is anything less than an unequivocal yes then you’d better ask some more questions!
WATSON TRAVEL INSURANCE
