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Yes, we offer Travel, Disability and Critical Illness insurance as well as Life Insurance! We are based in Woodstock, Ontario, but can service clients all across Canada. Request your online quote today!
If you have mortgage insurance through your bank, or did not use an insurance broker, consider having a free re-quote. We may be able to offer you a better rate on life, disability or critical illness insurance.

Do you know the difference between:

1) A Tax-Free Savings Account (TFSA) and a traditional Bank’s Savings Account?

2) Pre-Underwritten and Post-Underwritten Life Insurance?

3) A defined contribution pension and a defined benefit pension?

4) Cash Value and Term Life Insurance?

5) A Mutual Fund and a Segregated Fund?

If you answered “no” to any of these questions, call us to ask today! Your financial future depends on it.
519-421-0240

Do you need travel insurance? If you leave your province you do. Let us help you with our simple online/over-the-phone application. It’s one less thing to think about while away!

Travel insurance is insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one’s own country, or internationally.

Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a “multi-trip” policy can cover an unlimited number of trips within a set time frame. Coverage varies, and can be purchased to include higher risk items such as “winter sports”

Coverage typesTravel-Insurance

The most common risks that are covered by travel insurance plans are:

  • Medical emergency (accident or sickness)
  • Emergency evacuation
  • Repatriation of remains
  • Return of a minor
  • Trip cancellation
  • Trip interruption
  • Visitor health insurance
  • Accidental death, injury or disablement benefit
  • Overseas funeral expenses
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Flight connection was missed due to airline schedule
  • Travel delays due to weather

Optional coverage

Some travel policies will also provide cover for additional costs, although these vary widely between providers.

In addition, often separate insurance can be purchased for specific costs such as:

  • Pre-existing conditions (e.g. asthma, diabetes)
  • Sports with an element of risk (e.g. skiing, scuba diving)
  • Travel to high risk countries (e.g. due to war, natural disasters or acts of terrorism)
  • Additional AD&D coverage
  • 3rd party supplier insolvency (e.g. the hotel or airline to which you made non-refundable pre-payments has gone into administration)
  • Acute on-set of pre-existing conditions – This term is very different from Pre-existing conditions. It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a medical professional. Travel insurance companies, especially in USA, do not offer coverage for pre-existing coverage but they do offer coverage for acute on-set of pre-existing conditions. If you have pre-existing conditions, make sure to get this coverage to protect yourself against any emergency situation that arises due to pre-existing conditions in spite of taking care.

Common exclusions

  • Pre-existing medical conditions but a lot of companies now cover for “acute on-set of pre-existing conditions”
  • War or terrorism – but some plans may cover this risk, and some do cover for acts of terrorism
  • Injury or illness caused by alcohol or drug use

Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.

Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.