Top-Up Insurance Premiums
Think of top-up travel insurance as a bridge for your coverage. It’s a new policy you purchase that starts the moment your existing insurance ends, connecting it to your new, later return date. This ensures you have seamless medical protection for your entire extended trip without any gaps.
How a Top-Up Plan Protects Your Extended Trip
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Deciding to stay on your vacation a little longer is exciting. A top-up plan is a simple, effective way to make sure your coverage lasts as long as your adventure does.
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When Do You Need a Top-Up Plan?
This is the perfect solution for a few common situations. The most frequent is when your existing coverage, perhaps from your credit card or employee benefits, has a trip length limit (e.g., 15 days), but your actual trip is 25 days long. A top-up plan is purchased to specifically cover the extra 10 days. It's also the right tool when your original policy can't be extended, for instance, if a medical claim has already been made.
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How is a Top-Up Different from an Extension?
This is a key difference. An "extension" continues your current policy with the same company. A travel insurance top-up for existing policy, however, is a brand-new policy that is designed to begin on the exact day your first one expires. It provides a seamless transition of coverage, even if it's with a different insurance provider.
The Smart Way to Extend Travel Insurance for Additional Days
Using a top-up plan is a savvy solution for modern, flexible travel. Arranging it through an expert broker ensures both policies align correctly, leaving you with no gaps in your protection. It's a key strategy for getting the best travel insurance Canada has to offer, even when your plans change.
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Our 'Client-First Coverage' framework ensures you get the perfect plan in three simple steps:
1 - We begin with a personal consultation to understand your unique situation
2 - We compare compliant top-up plans from Canada's top insurers, and
3 - We present you with a clear, jargon-free recommendation.