Providing protection to workers is a matter of vital importance in any workplace (besides helping to improve the work environment). On several occasions we have talked about different ways to protect workers, being life insurance probably the most common one.
This time we would like to talk about something different: travel insurance. This is a type of insurance that is not very common in the workplace, but just as necessary in some companies where business travel is common. If you are an employer in such a company, be sure to continue reading.
Let’s talk in detail about how travel insurance for Canadians works. Remember, we are Lewer Canada, experts in benefits and wellness products for your company for over 40 years! Without further ado, let’s get started!
Travel insurance: how does it work?
What is travel insurance? How does travel insurance work? Let us explain: it is a policy that provides protection when you go on a trip, anywhere. It is important to emphasize this, since many traditional insurance policies lose their validity when abroad. That is why, in these cases, it may be the best option.
And what kind of coverage does travel insurance provide? Generally, the benefit of these is deductible in medical and emergency expenses in case of illness or accidents. Among these we can mention: hospitalization and payments to health personnel in charge of medical coverage (doctors, nurses and others).
In addition, some policies of this type cover other types of accidents (such as breakdown or loss of luggage, interruptions or cancellations). In very serious cases, the insurance may even cover repatriation costs.
How much does travel insurance cost? Due to the wide variety of policies, it is not possible to give a price estimate. What we can do is to refer you to our travel insurance division, in association with SecuriGlobe, by clicking on this link, where you can also request a quote according to your needs.
In the case of benefits, being more specific, almost as a general rule, travel insurances include a base capital per trip, which covers some and others of the elements already mentioned.
If you need more specific information about the price of travel insurance, we recommend you to inquire. It is preferable to do so with a company or a specialized broker. As already mentioned, you can consult our proposals in conjunction with SecuriGlobe, as there are many packages that may be of interest to you.
If you need help to hire these or other employee protection services in your company, we invite you to visit our forms section.
Importance of having travel insurance
In addition to the above, we can talk about the importance of having travel insurance. Apart from the obvious and the aforementioned, you never know what can happen. It is not good to take risks, having the adequate protection will be the best, no matter if it is a one-time trip or if you travel frequently.
In terms of a group package for companies, it is another way to take care of your employees in case of any kind of adversity. Remember that every good employer should look out for the welfare of its employees.
With benefit programs, you also fulfill a double function: in addition to protection, you strengthen the relationship between employee and employer. The commitment of the latter can also be strengthened.
In any case, as a last recommendation, we advise you to always do your research before opting for any insurance product. Always keep this in mind because, as you know, they tend to vary from one policy to another or from one company to another.
On the other hand, if you already have some type of insurance (either individual or group), you can check if it has coverage when traveling. We reiterate: not all policies are the same and it never hurts to check.
Get travel insurance for your company with us
Finally, if you have made it this far, we hope we have been helpful in discussing the operation and other elements of travel insurance in Canada. We hope our article has been useful and can serve as a guide to improve the work environment in your company.
Do you need coverage for your employees? Ask about Lewer Canada’s employee benefit programs in Quebec. We offer a variety of programs such as life insurance, health programs (general or extended), dental care programs, or the famous Employee Assistance Programs (EAP), among others.
We also invite you to visit our blog for more valuable information or tips like these. Do you have any questions or want to hire any of these employee benefit programs in your company? Contact us, you can find the option on the top bar of this site.
For a more personalized attention, you can also find us at 3131 boul. Saint-Martin Ouest, bureau 410 Laval, Quebec.