5 Reasons to Get Travel Insurance

5 Reasons to Get Travel Insurance
  It’s summertime and you can already picture it – the waves crashing against the sand, the gentle ocean breeze, the cool drink in your hand; you’ve worked hard all year and it’s finally time to go on that vacation. Whether it’s a dreamy beach getaway or a cozy cottage respite, summer tends to be the ideal time to take a break. However, it is...n’t always as simple as booking a flight and taking off – certain precautions need to be taken. That is why we have compiled a list of 5 reasons you should be insured! Listen, we get it. It can be tempting to overlook travel insurance when you’re going away. Despite the horror stories that circulate around, there can be this tendency to think “oh but it wouldn’t happen to me.” Yet to say that the peace of mind that comes with knowing you are covered is worth it is an understatement.   Here are 5 reasons why.   1) Unexpected Emergencies No matter how well you plan your holiday, it just won’t go to plan. It is incredibly common for unexpected events to occur and bring costs up. Emergencies can happen at the drop of a hat – whether it’s family related or work related, not being covered for such an instance can mean thousands of dollars down the drain.   2) Lost Luggage You finally get to your holiday destination and the excitement is ever-growing. You get past immigration and now all you need to do is get your luggage and you’re on your way to a week of sheer relaxation. You wait and wait until it becomes clear that something is wrong. Your luggage isn’t coming. One of the most common pains when travelling is losing luggage and it is important to have coverage so that, even if something is lost, it can be reimbursed by the insurance agency. That way, your vacation can begin regardless of any lost items.   3) Credit Card Theft Alright so you have your luggage, you’re off to your hotel, and the vacation can truly begin. You go out for the first few nights before realizing that the budget you have set for the trip has been eaten up. What happened? You look at your credit card history and realize that you haven’t made half of the purchases that are on there – something is very wrong. Credit cards aren’t typically designed to cover vacations so calling your bank to dispute charges can be an absolute nightmare. Now not only do you have to cancel your card, but all the money you were going to spend during this holiday has disappeared. Travel insurance offers extensive coverage when things such as this go wrong – it’s a small investment that can save you a lot of money down the line.   4) Hospital Bills You’ve gone out, tried the local cuisine, and you’re having a great time. But then you wake up the next morning and realize it was too much too soon – and like many who go on vacation, you’re feeling a little under-the-weather. Without travel insurance, you’re essentially helpless. Remember, despite having great health insurance back home, you aren’t covered on vacation. Something as little as a flu can run up a large hospital bill.   5) Emergency Room Bills The flu has gone away and it’s finally time to go on an adventure. If you’re in a mountainous area, hiking is a popular choice; if you find yourself on the beach, the ocean will inevitably call your name. As fun as these activities are, they present real risks. Accidents can often be unavoidable and injuries occur on a daily basis. Spending even a day in the hospital because of such an injury can mean tens of thousands of dollars lost.   In conclusion, this would have been a nightmare trip without travel insurance. From losing your luggage to getting sick to delayed flights; your next vacation might be years away because of the massive dent this would have caused. On the other hand, a couple hundred bucks spent on travel insurance means that no matter the unexpected occurrences, the trip would still have been enjoyable. It really is a no-brainer. If you’re planning on going on a holiday, contact one of our expert licensed brokers now at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloakd0afe2665767d7c7014aad7409ea2008').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addyd0afe2665767d7c7014aad7409ea2008 = 'better' + '@'; addyd0afe2665767d7c7014aad7409ea2008 = addyd0afe2665767d7c7014aad7409ea2008 + 'hubbardinsurance' + '.' + 'com'; var addy_textd0afe2665767d7c7014aad7409ea2008 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakd0afe2665767d7c7014aad7409ea2008').innerHTML += ''+addy_textd0afe2665767d7c7014aad7409ea2008+''; or call us at 905-696-9090 to make sure your next trip isn’t your last.     Source: Canadian Underwriter. More
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Secrets and Tips for Seasonal Property Insurance.

Secrets and Tips for Seasonal Property Insurance.
  Picture this. It’s finally beginning to warm up – spring is in full flow and summer is just around the corner. You’ve had a good year and your eyes are fixated on that cottage you’ve always wanted. It’s finally time. However, once that little slice of heaven is in your name, it’s time to insure it to make sure that unwanted repair and repla...cement bills don’t turn this dream into a nightmare. Here are some tips to help you sleep soundly at night!   Water Damage Many people think that the biggest danger to a cottage is fire damage or theft; however, that might not be the case. If the cottage is being used year-round, the possibility of water damage often turns into reality. This is why it is important to install temperature and water alarms – if there is potential for the pipes to freeze or for flooding to occur, you want to know before it happens. Moreover, it is important to shut off the water supply and drain your pipes during the cooler months – when the cottage is closed – so that you don’t come back to a disaster during the warmer months.   Don’t Become Complacent. Insurance exists so that if something was to happen that was out of your control, you would be covered. If massive gusts of winds and wild environmental occurrences cause damage to your boat, for example, you will most likely be alright. However, if you simply forgot to tie your boat up and it floats away with the tide, that’s on you. It is important to be alert and on top of things – complacency can cost you in more ways than one down the line!   Fire Services Something that many might not actively consider is the distance from the cottage to a fire hydrant or fire hall. It seems obvious when laid out – if your cottage catches on fire, and there is no resource nearby to put the fire out, then you’re in a world of trouble. The longer the blaze rages on, the more damage it does, the more your insurance costs – you get the idea. This is why it is important to be mindful of such resources and services as they can me a sizeable difference to your insurance premium!   Heating Methods Speaking of fire, one thing insurance agencies have in common with cottage-owners is that they would rather a cottage not catch on fire. Fire may have been the catalyst for all human advancement, but it is frowned upon in this context. This is why it is important to keep in mind how you will heat up your cottage. Using oil heating is generally a no-no because of the potential of a leak and a wood burning stove that is not WETT (Wood Energy Technology Transfer) certified might even lead to insurance agencies outright refusing to insure you. Sticking with gas, propane, or electric heating is the way to go.   Investing in a maintenance plan is also a great way to avoid common claims – something that will easily pay off in the long run. Cottages can be quite expensive if left to their own devices – but it is pretty easy to keep your paradise from turning into a disaster with the right help. At Hubbard Insurance, we are determined to help you make the best decisions for you and your family. The tips and secrets listed above will hopefully go a long way in helping you make those tough decisions for a prosperous future. To learn more about seasonal property insurance or to get a free quote, contact one of our brokers now at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak65c64e1fa43ce8f9f488aaf416ff1ec9').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy65c64e1fa43ce8f9f488aaf416ff1ec9 = 'better' + '@'; addy65c64e1fa43ce8f9f488aaf416ff1ec9 = addy65c64e1fa43ce8f9f488aaf416ff1ec9 + 'hubbardinsurance' + '.' + 'com'; var addy_text65c64e1fa43ce8f9f488aaf416ff1ec9 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak65c64e1fa43ce8f9f488aaf416ff1ec9').innerHTML += ''+addy_text65c64e1fa43ce8f9f488aaf416ff1ec9+''; or give us a call at 905-696-9090.      Source: Economical. More
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