The what, who, why, when, how, and where of top-up travel insurance

If your travel insurance ends before your vacation, top-up travel insurance ensures you have emergency medical travel insurance for the entire duration of your holidays.

The following is a quick tutorial about the top-up travel insurance quotes available through Kanetix.ca.

1. What is top-up travel insurance?

   Top-up travel insurance is an emergency medical travel insurance policy. It is a policy that is purchased by travellers who already have travel insurance coverage, but do not have the coverage they need for the entire length of time they will be away.

2. Who needs top-up travel insurance?

   There are three common scenarios for someone to need top-up travel insurance:
   
   

   • Your coverage through work only covers a portion of your trip
   • Your coverage through your credit card only covers a portion of your trip
   • Your holiday is longer than the trip length of your annual, multi-trip policy
   .
   
   Read: What to do when your vacation outlasts your travel insurance coverage

3. Why you need top-up travel insurance?

   Anytime you go abroad, having supplemental emergency medical travel insurance is essential. Relying solely on your provincial health plan to cover costs if you get sick or are injured while outside of Canada could prove costly. How much is covered by your provincial health plan for out-of-country emergency care is highly limited, and will almost surely not be enough to cover the total bill; healthcare outside of Canada can be expensive. It is for this reason, that having emergency medical travel insurance for the full duration of your trip is why you need top-up travel insurance.

4. When can you get top-up travel insurance?

   There are two important considerations when buying top-up travel insurance. Firstly, will your existing travel insurance policy allow top-up coverage to be issued? If not, you should purchase travel insurance for the full duration of your trip.
   
   Secondly, remember that top-up travel insurance is typically purchased prior to the start of your holiday. These are the types of top-up travel insurance quotes currently available Kanetix.ca; top-up travel insurance for travellers who have not yet left on their trip.

5. How can you get top-up travel insurance quotes?

   Simply, online. Top-up travel insurance is a popular travel insurance product. By comparing quotes at Kanetix.ca you can get quotes from up to six different travel insurance providers for a variety of coverage and deductible options.

6. Where can you get top-up travel insurance?

   Kanetix.ca offers Canadians looking to purchase top-up travel insurance an opportunity to not only compare quotes but to also purchase top-up travel insurance online.

Compare top-up travel insurance policies and quotes

If you need to purchase top-up travel insurance, and your existing policy allows for the purchase of top-up travel insurance, shop around to ensure you are getting the coverage you need at the best available price.

Compare top-up travel insurance policies today, before you leave.