5 Absolutely Incredible Travel Destinations for 2020

1. Naxos, Greece

This undiscovered Greek island gem boasts beautiful, clear cyan blue waters, small town charm, and a rich history – all with a much lower price tag than many of it’s more popular counterparts. A quick ferry ride from Paros, it’s sister island, Naxos if the perfect Greek island to discover for families and honeymooners. Rent an ATV and spend your day open air cruising along the coast while popping into pool and beach bars as you go. At night, enjoy a romantic walk along the main street and marina or people watch while indulging in gelato in the Old Town.

2. Sorrento, Italy

Lesser-known Amalfi Coast addition, Sorrento, packs an incredible Italian punch without the crowds. Located just west of Positano, on the northern edge, travel bugs can revel in all of Italy’s glory in this seaside town. Snack on local lemon slushy sweet treat, a granita, and lounge in the sweet Italian sun at one of the town’s ocean-side beach clubs. At night, sip on an Aperol Spritz at one of the many charming outdoor restaurants.

3. Copenhagen, Denmark

Experience Scandinavia in Denmark’s capital, Copenhagen. Widely known for it’s foodie culture, minimalist style and bicycle-first city structure, Copenhagen is an untapped and incredibly interesting travel destination for 2019. Take the high speed train across the water to Sweden in 1 hour, and tell all of your friends you visited two European countries in one day.

4. Marrakesh, Morocco

This up and coming destination, located in Northern Africa, has become somewhat of a hot spot for world travellers in the past number of years, and for good reason. With a mix of old and new, Marrakesh offers both the modern, updated shopping streets of “New City” yet manages to robustly contrast this glitz and glamour with the preserved, authentic “Old City”, just a few blocks away. If you dare, venture into the food stalls in the main square to sample foreign delicacies, or try your hand at bartering with a local vendor in the winding, open air shops called the ‘souks’.

5. Singapore

Sip swanky cocktails in a rooftop infinity pool as you watch the sun set over this Asian metropolis. Owing it’s recent skyrocketing fame to the film, Crazy Rich Asians, Singapore has no shortage of exciting activities to offer. Adventure out on a night safari, take in some the destination’s botanical gardens, or soak in the city’s unique skyline on the Singapore Flyer; Asia’s answer to the UK’s famed London Eye.

As you plan your travel for 2019, keep in mind that any exciting trip can soon leave you reeling if you risk adventuring without travel insurance. Get in touch with our knowledgeable team to learn more about protecting yourself while you travel with a travel insurance policy today.

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Do I Really Need Travel Insurance?

4 Fascinating Myths About Travel Insurance That Simply Aren’t True

Do you Need Travel Insurance?

Summer holidays are almost here, and for many families, it is time to travel! You might wonder if travel insurance is worth it and question what you’re actually buying. Perhaps you think it sounds like insurance you don’t need, and travel insurance is just a money grab; kind of like buying extended warranties on products that will last two years.

To help you understand it’s importance, let’s look at what travel insurance is, if you need it, and what to look for when you’re buying coverage.

What is Travel Insurance?

 Travel insurance is a short-term insurance policy. Policies include coverage for out-of-pocket expenses you have to pay if you’re injured. These can include prescriptions, ambulance costs, hospital visits, and dental procedures.

You can also get accidental death or dismemberment insurance: This insurance feature pays out up to about $500,000, depending on the situation.

Do You Need Travel Insurance?

You could say there are pros and cons to each side. Insurance professionals will tell you that you should never go on a trip without coverage. A world traveler who has never purchased it will tell you how many trips they’ve taken without incident.

The latter might lead you to believe you’re better off to take your chances, because you’re healthy and you’ll be careful. Although this might be true, most accidents happen due to the negligence of someone else, and you could always catch a virus.  Even food poisoning can lead to a trip to the hospital.

It’s important to note that if you’re in another country (including the United States) and need any type of medical care, you’re not covered unless you buy travel insurance. It’s also important to note that you could be out thousands of dollars if you require even a quick trip to the hospital outside of Canada. In the United States, medical care is especially expensive.

Travel Insurance Options and What to Look for When Buying Coverage

You can buy travel insurance from many sources: directly from airlines and cruise lines, independent travel agencies, some credit card companies, and insurance brokers.  Make sure to buy from someone you can trust, and remember the cheapest isn’t always the best. When you buy from a company or broker, they can advocate on your behalf if you have to make a claim.

Generally, travel insurance costs around 5 per cent of your entire trip. Make sure that you’re covered prior to your trip. You can’t make a retroactive claim if you become ill, then try to purchase a policy while on vacation.

Travel insurance protects you within Canada as well. When you go out of province your provincial healthcare doesn’t cover you for everything.  For example, ambulance, hospital transfer, or transportation back to your home province, will not be covered.

If you go to Quebec, they’re not part of the interprovincial billing agreement. You’ll probably have to pay upfront for services. Although you can usually submit a claim and get reimbursed from your own provincial ministry, you’re still short money until you’re paid.

At Sadler Insurance, we can help you find the best travel insurance policy for your needs. For more information please visit our website.

Travelling out of the Country While Pregnant? How to Avoid Your own Million Dollar Baby

If you’re travelling out of the country while pregnant, you want to make sure you’re properly covered. In this post we will talk about how to avoid your own million dollar baby if you plan on visiting or vacationing in another country.

You’ve probably heard about Jennifer Huculak-Kimmel’s ordeal when she went to Hawaii on vacation and gave birth to her daughter; only to find out that her Blue Cross travel insurance wouldn’t cover her. Her and her partner, Darren Kimmel, returned to Canada with over $900,000 in medical bills.

Are you travelling out of the country while pregnant, or planning to? If so, you can rest assured that there are precautions you can take to make sure what happened to Jennifer won’t happen to you.

Blue Cross didn’t pay out her claim, but according to Canada Health Insurance Association (THiA) 95 per cent of all submitted travel health insurance claims in Canada are paid by the insurance provider. How did Jennifer become part of the 5 per cent whose claims aren’t paid?

How to Avoid Your Own Million Dollar Baby

First, make sure you’re cleared by your doctor to travel while pregnant. Travelling while pregnant can be safe, but pregnancies can come with additional challenges and risks. Pregnant women can develop severe complications and are susceptible to certain infections that can harm the baby. Jennifer thought she did everything right, but it went very wrong, so let’s look at what happened.

Denied Claim

Blue Cross denied Jennifer’s claim because she had a bladder infection and hemorrhaged when she was four months pregnant. This constituted a pre-existing condition, which nullified her insurance contract.  The insurance company noted her travel insurance expired while she was in the hospital.

When she gave birth to Reece prematurely, she had to stay in the hospital for three months.  Her health insurance coverage was in effect for the length their vacation, and expired on November 9, 2013 the day after they were to land in Canada.

You Should Always Get Travel Insurance

Below are some tips to make sure you’re covered when you travel while pregnant. It’s important to note that Canadian laws and punishments are strict with regard to insurance. It’s highly unlikely an insurance company, agent or insurance broker would ever sell insurance fraudulently. It boils down to wording.

  • Ask specific questions and get answers. Ask the insurance company or insurance broker what happens if you give birth to your baby while you’re in the other country. Find out what happens in the event you have to stay in the hospital past the expiry date.
  • Read the fine print when it comes to exclusions listed in insurance policies.
  • Ask for a list of what the insurer considers to be pre-existing or medical conditions that might compromise your policy, and double check with your doctor if you have any listed.

Another way to ensure you don’t have a million dollar baby when travelling out of the country is to create a relationship with an insurance broker who knows you and your needs.

At Sadler we we can help you with all your insurance needs, including travel insurance. For more information please visit our website.

Drinking Alcohol While on Vacation Could Cost You Your Coverage

Nothing goes together quite like warm sand between your toes, a view of the beach, and a Pina Colada in your hand. But while a refreshing beverage is often a staple in most vacations, it can also be a strike against you when it comes to your insurance policy.

Many travel insurance policies have clauses that exclude coverage if you are under the influence of alcohol or drugs when an accident occurs. This may not seem likely, but 39 percent of Canadians report being intoxicated at some point during their latest vacation. And it’s no secret that accidents happen. A couple drinks too many and suddenly slipping by the pool and breaking a bone isn’t a stretch of the imagination.

But did you know you can be denied for more than just health insurance? If you miss your flight due to being intoxicated, your insurance company can reject any coverage for expenses you incur as a result.

It’s also well known that alcohol can lower one’s inhibitions. So, if you decide to get a large neck tattoo or go base-jumping for the first time while intoxicated, those activities and any misfortunes caused by them will likely be at your expense.

Of course, it will be up to the insurance company to prove that you weren’t sober at the time of an accident. However, if your blood is taken or if there are witnesses that state seeing signs of intoxication from you, these things can work against you.

Ultimately, it is always wisest to drink in moderation while vacationing and to read the fine print of your travel insurance coverage before visiting another country. Each policy is different and being familiar with yours ahead of time gives you the opportunity to clarify any questions or concerns before you find yourself in a predicament.

Looking for a travel insurance policy that meets your needs? We can get you a policy that provides peace of mind so you can relax, unwind, and enjoy your fun in the sun.

3 Travel Insurance Questions to Ask Yourself Before Heading South

With the holidays behind us, many Canadians are already thinking about palm trees and powder sand beaches. Winter just doesn’t have the same appeal when you don’t have festive gatherings and stuffed turkey to look forward to.

But before you book your flights and decide on your destination, there are a few questions you may want to ask about your travel coverage. We’ve put them together for you:

Will someone be available around the clock to help me?

Not all travel insurance companies offer 24-7 assistance, but it is highly recommended that travelers take advantage of policies that do. There are many emergency situations that could come up while you are out of the country, and being able to reach someone immediately, no matter the time, is essential to be sure the situation is resolved as quickly as possible.

Will I be engaging in “risky activities”?

A lot of insurance policies do not cover “risky activities”, and you don’t have to be bungee jumping for this to apply. Activities like water skiing, motor scooter riding, horseback riding and scuba diving are all subject to limitations by some insurance companies. In some cases, you will have to pay an additional premium on your travel insurance for these types of experiences. If you’re planning to enjoy any of these, you’ll want to double-check with your provider to find out exactly what is and isn’t covered.

I know I have medical coverage, but what if my belongings are lost or stolen?

Some insurance providers do offer coverage for items like cameras, phones, computers, jewelry and important documents. This type of insurance isn’t more valuable then medical insurance (things can be replaced, lives cannot), but if you have the ability to cover both, it’s a great addition. No one expects to have their valuables taken while on a trip, but it can happen. This type of coverage provides extra peace of mind.

By asking these three simple questions, you can avoid a world of headache later. Don’t wait until it’s too late to get the answers. Do it now so you can focus on what matters most while you’re away: rest, relaxation, and fun in the sun!

Travel Insurance Myth-Busting

Everyone loves to go on vacation. You get to leave your home and your daily routine and experience new places, new people, new food and new activities. Holiday trips are meant to be a lot of fun, and they almost always are, but it’s also important to remember that life can happen at any time… even when you’re on a trip. That’s why travel insurance should be a vital component of your travel plans, no matter what anyone tells you to the contrary.

Here are some travel insurance myths:

#1: I Can’t Afford It

It’s true that travel insurance, like most things worth having, isn’t free. You will need to put down some money towards protecting yourself and your possessions as you travel. The good news is that not all travel insurance is the same. There isn’t one flat rate that you must pay every time you travel. When you purchase travel insurance you will look at your trip and decide what you need to cover. Your agent can come up with an affordable travel insurance package that covers all the basics.

#2. It’s Difficult or Annoying To Do

Again, it’s true that you don’t just automatically get travel insurance when you decide to take a trip. You need to make an effort to get it. Travel insurance is extremely easy to get. Most insurance providers can set up a travel insurance plan very quickly without even needing to delve into your history, like they would with more long-term kinds of insurance. Many travel agencies are also able to assist in setting up travel insurance, and if they aren’t they can direct you to a quick and easy solution for acquiring it.

#3. People Who Get Travel Insurance Are Just Being Paranoid

Think about the worst day you’ve ever had. Did you plan for any of that to happen? Of course you didn’t. Likewise, if you really believed that as soon as you left on your trip, your luggage would go missing, your flights would all be cancelled, you would break your arm and a tornado would shut down the airport you intended to use, then you wouldn’t bother to make travel plans at all. As the saying goes, you hope for the best, but you plan for the worst. Bad things can and do happen. The trick is to be ready for them.

#4. This Won’t Improve My Travel Experience

This may be the biggest myth of all. Even if nothing bad happens, a travel insurance policy from Sadler Insurance will help you to kick back and relax in the knowledge that even if something does go wrong, you’ll have a plan in place to minimize the damage. Peace of mind can help you relax… and that’s the whole point of a vacation, right?

For more information on car insurance and travel tips, get in touch today.

Staying Safe on your Winter Getaway

With temperatures dipping into single digits, winter getaways are on the mind of many Canadians. Many Canadians will purchase travel insurance, affording them some valuable piece of mind to know they are protected if something does go wrong. Combined with travel insurance, exercising some basic safety cautions can go a long way in preventing that something wrong from happening.

Check for Travel Advisories

You might be surprised to find your travel destination listed on the Government of Canada’s travel advisory website. However there are several categories of listing from Exercise Normal Security Cautions (the lowest advisory level) to Avoid All Travel (the highest advisory level) and that advisory level does not always apply to the whole country. Parts of Mexico are listed as unsafe to visit, yet many of the tourist areas are perfectly safe to visit and are reflected as such in the listing.

Keep Your Head Up

Pay attention to your surroundings when you are travelling. That goes for more than just avoiding sketchy looking streets, make sure you have all your valuables stored safely while out and about, pickpockets are the most active in busy areas.

Theft can happen on the resort too! Make use of your in room safe to store all valuables and documents. If bringing anything down to the beach, consider taking turns watching your belongings.

Travel Prepared

When photocopying important documents for your trip, take a photocopy of any prescriptions you have. Make sure you bring extra of any medications you may take. Flights can be delayed and local pharmacists may not carry or be unable to fill your prescription.

A little alertness and preparation can go a long way in preventing travel mishaps! However travel insurance is always an important “just in case”. If you are injured overseas most Canadian health plans do not provide coverage. Serious injuries can quickly add up to tens of thousands of dollars and travel home may not be an option. Illness or injury can quickly take the fun and relaxing out of a holiday, especially when you are concerned about your coverage.

Sadler Insurance offers a full range of travel insurance policies to protect you and your loved ones on your holiday travel.