A romantic beach wedding is a dream come true for many women, especially with the assistance of a knowledgeable destination wedding specialist to guide you through the process. But sometimes, due to unforeseen circumstances, a dream wedding can turn into a nightmare. This post is about how to protect your destination wedding investment.
At Weddings By Oceans, we practically insist (although, it’s always your choice) that you obtain adequate insurance protection while travelling. Should a medical emergency occur during your trip, it’s important to be able to get treatment without having to worry about payment of medical bills, language barriers or access to quality care.
Consider the unfortunate case of one Weddings By Oceans’ Beachside Couple who travelled to Punta Cana in the Domincan Republic this year with their wedding group:
Within few days of arrival, the groom began to feel unwell. It soon became evident that he was suffering from something other than “tourista”. He went to the resort doctor for assistance. Regrettably, on the day of the wedding, he was rushed to the nearest hospital. On the very afternoon he was to be saying, “I do,” he was undergoing emergency surgery. For privacy reasons, we cannot go into further detail, however, this was NOT a pre-existing condition and it was completely unexpected and unavoidable.
There’s always a small chance of travesty when travelling. Whether it’s through your credit cards, employment benefits or by purchasing RBC Insurance from Weddings By Oceans, we strongly recommend trip cancellation and out of country medical insurance to protect you and your vacation investment. We offer RBC Insurance, Canada’s number one travel insurance provider.
Premium prices are based on several factors including age of passenger, medical history, amount they wish to cover prior to travel, duration of trip and their province of residence. The most common type of insurance purchased is the Deluxe Package.
Here is some information on the 3 most popular RBC Insurance policies:
Package Coverages
Deluxe Package
This insurance provides Cancellation & Interruption (Interruption only if you have selected the ‘no cancellation’ option), Flight Accident, Travel Accident, Baggage & Personal Effects AND Emergency Medical. It also offers, at no extra charge, extra protection just in case your luggage is delayed, and emergency medical insurance for an infant travelling with you.
Non-Medical Package
This insurance provides Cancellation & Interruption (Interruption only if you have selected the ‘no cancellation’ option), Flight Accident, Travel Accident, and Baggage & Personal Effects (same as above, but without Medical). It also offers, at no extra charge, extra protection just in case your luggage is delayed.
Classic Medical
This insurance provides unlimited coverage of the eligible emergency medical expenses that you incur while away from your home province or territory, and that exceed the benefits of government health insurance and private coverages. This essential coverage comes with a full range of benefits including the round-the-clock services of Assured Assistance Inc., Pay-Assist® to ensure you are not out-of-pocket for your eligible expenses and referral to Medirect®, our proprietary network of fully accredited hospitals and doctors.
We normally discuss insurance at final payment however RBC Insurance can be purchased at anytime. Approximate cost per person under 59 years of age covering a trip value of up to $2000 (1500) for a 7 day duration is approximately $130 per person + P.S.T. (if applicable for Deluxe) and $115 per person + P.S.T. (if applicable for Non-medical).*
*These rates are estimates only and require individual costing at time of inquiry. Certain age brackets over age 59 may require a medical questionnaire to be completed prior to purchase to determine which premium they may purchase.
Click here to learn more about RBC’s travel insurance or contact a Destination Wedding Specialist at Weddings By Oceans and we’ll send you a convenient .pdf in an easy-to-understand format.
Now that you know our thoughts on and recommendations for travel insurance, we would like to know yours. Do you get insurance when you travel? Have you ever had an experience where you wish you had of purchased insurance before a trip? Leave your comments and stories below!
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