Travel Insurance

Business travel involves an array of details, whether you are travelling yourself, or arranging travel for your company. Travel insurance can help protect you and your company against many costly and often time-consuming travel emergencies.

When a travel emergency occurs, many of us assume that we will be protected by Government Health Insurance Plans (GHIP), Credit Cards and Group Benefits. But there are some major gaps in the coverage that each of these provide. For example:

Provincial Government plans provide limited payment for emergency medical expenses abroad, approximately 3% of cost, while hospitals in the USA can charge thousands of dollars per day
And GHIP does not:
- Pay up-front
- Cover a number of important risks, like emergency travel back to Canada
- Offer easy-to-reach, real time emergency assistance, 24/7
Employee benefit plans generally provide limited coverage as well

Here are some examples of medical-related costs travellers may have to face:

Total Claim	Paid by Government Health Insurance Plan	Approximate Amount Insurance Company Will Pay
$457,000	$29,000	$428,000
$126,000	$4,600	$121,500
$67,500	$4,000	$63,100

What Types of Coverage Are Available

Cancellation and Interruption Insurance - When Travel Plans Change

Trip Cancellation and Interruption Insurance protects your business against over 40 specified risks that could stop you or your colleagues from travelling as planned. For example, if a non company related business meeting is cancelled for reasons beyond your company's control, Trip Cancellation coverage can ensure that your business does not lose the related travel investment. Plus, your company will be protected from financial losses associated with:

Airline cancellation penalties
And other non-refundable prepaid travel expenses covered by 42 specified risks

Multi-Trip Annual Plan - One Policy, One Price for Year-Round Medical Coverage

Multi-Trip Annual Plan protects frequent business travellers from costly medical emergencies by providing peace-of-mind insurance for an unlimited number of trips within a 12-month period.For as little as pennies a day, business travellers can get the medical coverage they need for an entire year. Choose between the 10-Day plan, which cover trips that last 10 consecutive days or less, or the 30-Day plan, which covers trips lasting 30 consecutive day or less.

Baggage and Personal Effects Coverage - For loss, delay or damage

Baggage and personal effects frequently go missing or get delayed while travelling. Ensure that these valuables are protected.

Rental Car Physical Damage - Costs Less

Rental Car Physical Damage offers protection for rental car collision damage at rates generally lower than those offered by car rental agencies.

Deluxe Package - Comprehensive Protection

Deluxe Package picks up where government health insurance and group benefits leave off. It is the most comprehensive package, protecting business travellers from medical and non-medical emergency expenses.

Protect Your Company

North South Travel has access to numerous reputable insurance companies that provide global emergency travel assistance and a range of affordable and comprehensive plans, with:

A 24/7 toll free help-line with access to an international network of health care professionals and emergency assistance.
Multilingual co-coordinators who can refer the traveller to a competent medical care facility.
Up-front payment in case of a medical emergency, ensuring business travellers are not out-of-pocket for eligible expenses.
Settlement of claims within seven business days of receipt of all documentation required for processing.
One-call convenience - coordination of billing with the traveller's other appropriate insurance providers, such as GHIP, cutting down on paperwork and saving you time.