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Ask the expert: When do I need to consider extra travel insurance?


When you book a trip, whether online or through a travel agent, you will likely be offered the option to purchase additional travel insurance coverage. But is it necessary? Before topping up your travel coverage, check your benefits booklet to see what travel coverage you already have for yourself and your dependants. Most group insurance plans will offer at least some additional coverage for out-of-country or out-of-province travel.

Consider extra coverage if you want:

  • To increase the number of days out-of-province/out-of-country
  • To increase dollar maximums
  • To provide coverage for your visitors from abroad
  • Trip cancellation insurance (if applicable)

OTIP has partnered with 21st Century Travel Insurance Limited to give exclusive rates for our members and comprehensive coverage, wherever and whenever you need it. Get travel insurance that picks up where your employee benefits plan or RTIP/ARM coverage leaves off. To get a quote, call 21st Century Travel at 1-844-291-7230 and identify yourself as an OTIP member.

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