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Even if you are fully covered for medical. it's Still a to‘purchase a baggage loss. When booking any trip. your travel agent will always offer this type of coverage and it's_ generally a good idea to make sure that you are covered for these items: however. it's usually cheaper to purchase a yearly plan rather than buy one-off policies each time you 't‘ravel. Travelling more than once a year? If you take more than one tn'p a year. chances are it's cheaper to buy a full-year travel policy than it is to buy oneâ€"off coverage each time you leave your province for business or pleasure. For as little as 3275M” a family of four can be covered for complete medical and nonâ€"media! travel insurance for one {UH year. Travel Medical Insurance Once you've bought your yearly policy you can rest assured that you. and your family members. are covered for all of yourfl trips -â€" even a 24 hour shopping trip to Buffalo. You‘ll also get the added advantage of knowing that there will be someone available 24/ 7 to help you in the case of an emergency. You might have travel medical insurance coverage from your employer. but it's important to make sure you are fully covered. Nothing would be worse than needing medical coverage while out-of-town and finding out after. the fact that your work policy only covers half of the expenses incurred...you could be out-of-pocket several thousand dollars. depending on the nature of your claim. Alternatively, you may think that all of your in-country travel is covered by your provincial plan; but. you might be surprised to learn what this plan pays for when travelling in other provinces. lt pays to do your homework and a small yearly fee could be the best money you've ever spent. - Travel with Confidence Non-Medical Travel Insurance Worry-Free Travel Is just A Few Clicks Away InsuranceHotline.com A visit to the ER (no tests) Average Anticipated Costs Your search engine for lower insurance rates Average cost of a flight . One night in a hospital $3,500 $ I ,200 $ 2,000