Whether it’s a trip to a cottage or a road trip – there’s never a ‘wrong’ time for a little getaway. However, it’s crucial to prepare for the unknown. While there is no specific ‘road trip travel insurance’, policies do exist to help protect you and your family while you are away from home. These policies are either necessary by law, or simply made to serve you better. So, before you hit the road, read up on the information below regarding your road trips and travel insurance options.
Be sure of your car insurance coverage
To start, car insurance is mandatory in Ontario. So, be sure to have insurance before you get behind the wheel! The good news is, your Ontario car insurance will cover you across Canada, and in most cases, into the United States. That means wherever you decide to drive, your personal car is under your current policy. With that in mind, it’s crucial to remember the coverage you have is the coverage you pay for. So, don’t expect comprehensive coverage if you’re road-tripping into the US when you only pay for collision. It’s always super important to look into your insurance policies before a big road trip, especially if you’re going far. So feel free to contact isure with any questions before you hit the road.
If you’re planning a road trip out of the province, consider getting travel insurance. Most people will only consider travel insurance when going out of the country, but provincial health plans cover less than you think. If you are injured in a different province, your coverage is minimal when it comes to ambulances, dental and medical transportation home. Keep in mind that even in Quebec, you may need to pay for your treatment up front (and get reimbursed later). If you have a small travel insurance policy, you will have coverage for these expenses.
Road Trip Travel Insurance: RV Insurance
One way people love to road trip is with an RV. When travelling with an RV, you will need to have an RV insurance policy if it is its own vehicle. Like a car, an RV is just a different form of motor vehicle. But, if your RV is part of a trailer, you should check with your insurer or isure broker on how to move forward with insurance. Depending on the set up, your RV may be covered by either your home or car policy.
Rental cars and travel insurance
Renting a car for your road trip can be a great way to give your personal vehicle a break, as well as hold off on wear-and-tear. However, the question that has always been up for debate is: should you get the rental car insurance? Generally, it’s a good idea to get it. While your credit card may have some type of coverage, it’s usually not enough if you run into major trouble. It’s always better to play it safe and get insurance in the event of an accident. You should also consider getting additional coverage, as necessary, if you are heading out of the province or country long-term.
Road trip travel insurance: Cancellation
One major benefit of paying for a travel insurance policy while going on a road trip is protection from cancellations. Let’s face it, sometimes life gets in the way and a trip cancellation may be necessary. While often associated with flights, a cancellation can happen anytime and anywhere, even on the road. When you pay for something in advance and then weather shuts a major route down, you often can be left paying for expenses. out-of-pocket. With the proper travel insurance policy, you can recover funds that would have otherwise been lost!
Now that you know a little bit more about road trip travel insurance, it’s time to start planning your next destination! Remember, whether it’s car insurance or travel insurance, be sure to check out isure for a chance to discover some of the best rates. Request a quote today!