Taking a Vacation

Aaaaaah. Vacation. White beach. Blue water. Colorful drinks with little paper umbrellas. New sights, new sounds, new smells…Maybe you’ll rent a car and explore. Maybe you won’t.

Of course, that might not be you. You might be thinking…Yeah! Vacation! Slopes! Powder! Apres-Ski! Maybe try dog-sledding? Frozen-Waterfall-Climbing?

Whether you’re heading North or South, East or West, and whether you prefer action-packed or easy-going, it’s easy to forget that unpleasant things can still happen on vacation. Even though you are trying to get away from it all.

Invest an hour in some preparation to set yourself up for true peace of mind. And know that if something happens, you’ll be protected.

Here are a few thoughts to consider as you plan your trip. If you have any questions, please don’t hesitate to give us a call.

Rental Car? We recommend: Talk to your Broker

There are numerous means to protect yourself against liabilities when using a rental vehicle ranging from additions to your commercial liability policy, your personal auto insurance policy and also from your credit card used to book the vehicle.  

There are lots of variables such as what and where you are renting a vehicle as well as who is driving.  Contact us to review your personal situation.

.How your homeowner’s or renter’s insurance can cover you even away from home

Done! Everything is packed! It was sure a chore, but definitely worth the trouble. You wanted to be sure to not miss a thing. After all, it’s the trip you’ve been saving up for a year: Two weeks at the sports resort, where you can ski on the glacier, golf, and lounge by the pool – all in one day! And you get two weeks of this fun!

So of course, you packed your skis, your snowboard, the golf clubs, and your camera gear. And two weeks worth of clothes. Needless to say, everything is maxed out.

As you are thinking about what you might be forgetting, the thought that something could get lost or stolen during your trip doesn’t even cross your mind.

But… what if? This is exactly where a homeowner’s or renter’s policy could come in handy.

A homeowner’s or renter’s insurance policy doesn’t only protect you and your ‘stuff’ while you’re at home. It also protects your belongings away from home. For example, if your ski gear was stolen right from the porch of the lodge while you were inside? It'd be covered.

If your camera slipped out of the bag and tumbled down 75 feet of rocky slope as you climb up that boulder? It’d be covered.

Even the stuff that you have in your car (on a road trip, or in everyday life) is covered by a homeowner’s or renter’s policy. And NOT by your auto policy, as you might expect. (We’d like to take this opportunity to remind you: Please don’t leave any valuable belongings in your car, and please always lock your car doors.)

But there’s more. A homeowner’s or renter’s policy doesn’t only cover items. It also provides liability protection. And this is where it really counts! Because, if you accidentally damaged somebody else’s property or, worse, hurt somebody, you could be held liable.

And if you are held liable for medical expenses or loss of income, you could be in debt for the rest of your life.

It can happen quite easily…

Imagine, you decide to give the black diamond a try. A quarter of the way down, you finally admit it to yourself that you are in over your head. But now, there aren’t very many options. You’ve got to get down.

And sure enough you fall, slide down on your back, and rumble straight into a woman who is waiting at the edge of the slope for her husband. She falls, too, and breaks her wrist. Not only that. She’s a surgeon, and depends on her wrist and a steady hand to do her job…a very well-paid job, that she won’t be able to do for at least a while.

A homeowner’s or renter’s insurance policy can help you out. Please give us a call 902 245-4741 for more information.

Going abroad? Your health insurance might not come along.

Aw, that hurts! You haven’t broken a bone since you were 11 years old and fell off your BMX bike. At least that was worth it, because at the time you actually made it over that jump and really got some air, and everybody cheered – and then you crashed. But the cast was kind of cool, with everybody’s graffiti on it.

Right now, it’s not cool. Nobody’s cheering. There isn’t even a bump on the slope. As far as you can tell, you fell right over your own two legs. Which makes it absolutely not cool. Downright embarrassing, rather. And it really hurts, too!

The fact that you aren’t skiing at home, but in the Swiss Alps doesn’t help. Oh my, you already see the ski paramedics coming toward you in their bright red overalls, with the carrier between them. You’re not supposed to go down in that thing, are you?

Well, evidently, there’s no other way. Your cheeks will be burning brighter than the guys’ overalls, lighting the way down the slope. You pull your hat a little lower.

Before you even reach the bottom where the ambulance is waiting, another question pops into your mind: Does your health insurance cover this? How much is it going to cost? Just how much does a Swiss hospital charge to adjust a broken bone?

You swallow. Atop the pain, this question really makes your heart race.

Unfortunately, your health insurance plan might not cover you while you are abroad. And even if it does provide basic coverage for hospital or emergency costs, it might not cover your medical evacuation back to Canada.

If you are planning a trip abroad, you should call your broker to confirm whether or not your coverage extends to your destination.

This is your well-deserved vacation. Time to enjoy, relax, and re-charge. Don’t let life’s curve-balls interfere with it.

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All responses will be by telephone for a personal and professional review of your insurance requirements.