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Great!  You’re getting ready to travel your way.

I’ll research and send you personalized options.

If you have any questions or details you want to add, or want to know more about trips,
you can always reach me at tammiems@travelyourway.ca

Enjoy travelling – know you’re prepared

Maybe it’s a cancelled flight, or you need to cancel due to illness.  Perhaps it’s lost medication, or unforeseen illness or accident.

We want you to have the best travel experience – and that means travelling with confidence.
Travel insurance is a must for any traveller … even within North America (even within Canada!)

Start with basic information and I’ll provide you with a quote:

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Some F.A.Q.s about Travel Insurance

I would like to purchase an Annual Medical plan. I’m not travelling though until early next year. Can I buy the coverage today?

Under the Annual Medical Plan, the first travel date may not be scheduled more than 3 months after the Annual Plan premium is paid.

I have a heart condition that I have had for 2 years now. My doctor says I can travel. Will this insurance cover me if I suffer a heart attack while on my trip?

To determine the stability requirement of any medical condition, please refer to the definition of stable within the policy booklet. Please also take the time to review other exclusions and conditions of the coverage outlined in the policy as the period of being stable depends on the coverage chosen and the age at the time of purchase.  Tammie can answer specific questions about the policy.

I’d like to have travel insurance coverage for all of next month. Can I come home for a weekend and then return to my trip and keep my coverage?

No. Coverage terminates when you return to your point of departure.

Can I buy insurance after I’ve started my trip?

No. Coverage must be purchased prior to departure.

However, if you do have coverage in place, you may request an extension of your coverage if you extend your trip.

Can I get a refund on my insurance premium?

Some refunds are permitted. Please ask Tammie if you have specific questions.

We have a trip scheduled for next month and we have an All-Inclusive policy. We have just been notified that my wife has been called for jury duty. Are we covered if we cancel the trip?

It depends on when your wife has to report for jury duty. If that date falls during your trip, you may submit a claim for trip cancellation.

I booked a trip and purchased an All-Inclusive plan with $3,500 coverage prior to departure. If I am sick and can’t travel do I get the $3,500 back?

It will depend on what the non-refundable portion of your trip is at the time you developed the medical condition. The examiner will look at the penalties that were applicable to you on the date of the cause of cancellation or on the next business day at the latest and you will be reimbursed for covered non-refundable expenses.

I have booked a trip and purchased an All-Inclusive plan. I will be taking my golf clubs with me. Will you reimburse me if my clubs are stolen?

If your clubs are stolen and you can provide documentation to that effect, you are eligible to file a claim. However, the baggage insurance covers a maximum dollar amount and may not be sufficient to cover your entire loss. You may be able to claim the difference through your homeowner’s insurance policy.

Does your Global Medical plan cover me if I require medical attention due to injuries sustained while scuba diving?

Scuba diving is covered only if it is not your principal paid occupation.

Some available insurance plans

All Inclusive Plan 

No age limit. Family rates available for under age 60. The all-inclusive plan offers the convenience of purchasing many coverages in one policy.

  • No Medical Questionnaire required – Eligibility Requirements must be met for ages 75 and over.
  • Unlimited Trip Interruption Coverage.
  • Baggage Loss, Damage – Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects.
  • Baggage Delay – Up to $500 to buy necessary clothes and toiletries in the case of baggage delay.
  • Missed Connection – Up to $2,000 for same class transportation to catch up with the trip if your client’s flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses.
  • Delayed Return – Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return.

Non-Medical Inclusive Plan

No age limit. Family rates available for under age 60. This non-medical package plan is for those looking for a package plan to complement their existing travel emergency medical coverage.

  • Unlimited Trip Interruption Coverage.
  • Baggage Loss, Damage – Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects.
  • Baggage Delay – Up to $500 to buy necessary clothing and toiletries in the case of baggage delay.
  • Missed Connection – Up to $2,000 for same class transportation to catch up with the trip if your client’s flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses.
  • Delayed Return – Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return.

Trip Cancellation Plan

No age limit. This plan covers the risk of unexpected cancellation and interruption. It does not include emergency medical coverage. We recommend you ensure that you have emergency medical coverage with assistance services available during your trip.  Some of the covered risks include:

  • Reimbursement of non-refundable pre-paid trip costs, up to the Sum Insured, when an unexpected medical emergency strikes you, your travelling companion or immediate family members, causing the cancellation or interruption of the trip.
  • Travel advisories issued that affect your insured trip.
  • Weather delays.
  • Missed connection expenses due to a covered risk.
  • Trip delay expenses due to a covered risk.

Global Medical (Under Age 60) Plan

No medical questionnaire required. Family rates are available. Up to $5,000000 CDN in emergency medical coverage plus access to multilingual 24/7 travel assistance for:

  • Covered medical provider expenses including those of a hospital, physicians and nurses.
  • Toll-free assistance centre to provide assistance and managed care.
  • Have covered medical bills pre-paid where available.
  • Arrangement of air ambulance services when necessary and arranged by the Assistance Centre.
Interested in other options?  Contact me to find out about longer durations (e.g, annual medical plans), youth medical plans or other options to suit your budget.

We have done a fair bit of travel, and this turned out to be one of our best trips ever. Tammie asked us questions in order to understand our likes and dislikes, then she translated that into a fantastic trip, within our budget, that we would never have been able to design on our own.

Tammie did all the bookings for our three-week adventure – flights, accommodations, trains, buses, and excursions. She provided a back-up plan for a small part of the trip, just in case bad weather disrupted travel to one of the islands. She was frequently in touch during planning and booking to get our feedback on different options. We will definitely ask her to help us with upcoming travel!

Tim & Heather, Brampton ONTravelled to Scotland & Northern Ireland

“I must say I was skeptical of booking with someone I didn’t meet in-person.  However, Tammie was professional and was so organized.  She was quick to retrieve answers to anything I asked.

It was a big trip for us so our anxieties were a bit higher than usual but Tammie quickly had us at ease. She even went so far as to email us when our flights were available to check-in.

I would not hesitate to book with Tammie again and I have already recommended her to friends.”

Debbie & Tim, Kilbride ONTravelled to Vietnam & Cambodia
We had a an extremely short timeline to plan our trip and Tammie suggested some wonderful locations that we never would have discovered on our own. Travel brochures all offered the same generic sites, Tammie created an amazing itinerary perfectly tailored for us with the level of travel and activity we were hoping for.
We had a fabulous time and plan to travel with her assistance another time. Our trip was worry free, and every little detail was well thought out for us, including many once in a lifetime experiences. We may have to go to Scotland again – now that we know all the beautiful locations we have left to see there. I’d highly recommend Tammie, her knowledge of Scotland and all the hidden gems it has to offer really paid off.
Patty, Brampton ONTravelled to Scotland

“It was a pleasure to work with Tammie. She is very knowledgable & able to help guide us in our planning.

She goes above and beyond to ensure your travel plans are the perfect fit for you. I will definitely ask Tammie to help with my next trip.”

Kathy, Milton ONTravelled to Vietnam & Cambodia

“I came to Tammie with a very last minute trip to Scotland, literally days before we left.

She was able to present many options of seeing Scotland, including prices, on very short notice. Although it was last minute, and she had other clients, she made herself available to me to answer questions, provide advice and book tours for us.

I wouldn’t have been able to see all that I saw without her help. Thank You Tammie!”

Bee, Oakville ONTravelled to Scotland

“We booked a 14 day Ireland Tour with Tammie and we were absolutely thrilled with everything.

Her knowledge and experience of Ireland helped make it one of the best trips we have ever been on. She planned every detail for us from the tour to our extra adventures.

We would never have seen as much as we did without her advice and planning. Thank you Tammie for a truly amazing experience. Can’t wait for you to plan our next adventure!”

Cathy & Joe, Milton ONTravelled to Ireland & Northern Ireland

“Tammie has planned three trips for me: Ireland/Northern Ireland, India and Scotland.

I appreciate the travel options – she suggested experiences I would have never have found myself.

I saved money and she took care of the logistics! I’m already planning my next trip with Travel Your Way.”

Scott, Oakville ONTravelled to India

“Tammie was a pleasure to work with. She was very knowledgeable about all our desired destinations and helped us to plan our travels.

She listened to us and came up with suggestions to suit us. We had a wonderful time in Scotland and we hope to return. Thank you.”

Ann, Kakabeka Falls ONTravelled to Scotland

“Amazing! What we experienced was an adventure beyond our expectations.

Tammie gave us the holiday of a lifetime, even though I have travelled to Scotland many times with my parents many years ago, I have never seen what we experienced on this trip.

Bottom line if you book a holiday with Tammie, you will not be disappointed!”

John & Jackie, Barrie ONTravelled to Scotland