Super Visa Insurance
Critical Illness Insurance
Mortgage Insurance
Extended Health Care
Travel Insurance
Registered Education Savings Plan (RESP)

Q: In case, I am buying my policy before my birthday or before the rate increases and suddenly my health changes before the trip, will I still be covered?

A: The rates changes happens almost every year for insurance companies as they evaluate their claim ratio in respect to total premium generated in a year, so many prefer to buy the travel insurance early to save money. Also another thing is, people consider buying before their birthday to get the premium based on their younger age. Please do remember that buying early cannot lock your health status for the insurance. If in case you see some health changes, then you need to inform the insurance company to review your policy and to adjust the premium accordingly. If you are not informing your insurance company, then you might end up with lower coverage or in some cases no coverage at all. Though you have bought the insurance well in advance, if you notice any changes in your health or any queries concerning the changes, it is better to read your policy and contact your insurance company or call your travel insurance agent asap.