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Working with a broker makes a major difference by offering expert knowledge, personalised coverage, time savings, advocacy, cost benefits, clear communication, and risk assessments.
With decades of expertise, Expat Insure helps you get the best insurance available in the market.
The insurance industry is famously a little confusing. There are always policy exclusions, and sometimes the language is unclear. Insurance brokers are industry professionals who can act as somewhat of a translator and advocate.
An insurance broker is a licensed professional who helps you find and buy insurance coverage. They act as a middle person between you and insurance companies, searching for policies and comparing prices on your behalf. Their main responsibility is to represent your best interests so you can get the right coverage from the insurance company that best fits your needs.
Here are 7 reasons to work with an insurance broker to find and buy your health and/or travel insurance for your time in Canada:
Insurance policies often include technical language that can be confusing, even for experienced travelers. A broker can work with you to clarify these complex terms to help you understand what you’re buying.
Small policy details can make a huge difference in your coverage. Brokers work with you to break down the fine print, so you don’t overlook vital coverage limits or hidden exclusions (like only certain sports being covered).
Brokers must meet certain education and licensing requirements in many countries, which means they follow strict rules designed to protect you. They are bound by a professional code of ethics, and they stay accountable to regulatory bodies. This regulatory oversight adds an extra layer of trust for people who might worry about being scammed or misled.
Brokers work with you to outline your health history, travel plans, and budget, and from there – they find coverage that meets your specific needs. Their personalised service combined with their industry knowledge spanning policy trends, types of coverage, and added extras puts brokers in a great position to find the right policy.
Personalised coverage ensures that you’re not over-insured or under-insured. By focusing on your individual health and travel needs, brokers help you avoid wasting money on unnecessary coverage or leaving yourself open to unexpected costs for uncovered risks.
While it will always be a good idea for you to confirm whether you are required to have a specific type of insurance, an experienced broker can help you to find and buy specific insurance required by the Canadian government in some situations (especially for temporary foreign workers).
If you try comparing insurance plans on your own, you might end up filling out the same forms again and again. Brokers do this work for you. They have access to multiple insurers and can quickly gather quotes, saving you hours of repetitive data entry – and all the associated headaches.
You probably have a long list of things to do before you come to Canada: booking flights, finalizing itineraries, arranging accommodations, finding a job – the list goes on. While a free Moving2Canada account can help you keep track of what’s left on the list, an insurance broker can manage the insurance item on your to do list for you.
In other words, a broker can provide efficiency and calm during a stressful process. In a single conversation, you can understand your options and pick the plan that feels right. That saved time is especially valuable if you’re juggling a work schedule or finalizing your travel documents.
Filing a health or travel insurance claim can be stressful, especially if you need urgent medical help in a foreign country. A broker steps in to advocate for you if there’s a problem with the claim. They know who to call and what information to provide to settle issues quickly and fairly.
Emergencies can happen day or night. Some brokers offer 24/7 support, giving you a direct line to help if something goes wrong in Canada. This extra security can bring you peace of mind, knowing that you won’t be left alone if you face a medical emergency, flight cancellation, or lost luggage.
Insurance needs can change, especially if you plan to stay in Canada beyond your initial policy period. A broker can maintain a long-term relationship with you, helping with renewals or adjustments to your policy over time. This ongoing relationship means you’ll always have someone who knows your background, your concerns, and your specific coverage preferences.
When you work with a broker, you get a professional who is on your side. Their job is to secure the best coverage for you based on a range of offerings from multiple companies. This independence fosters a deeper level of trust that can be hard to find when you deal directly with a single insurer.
Having an advocate in your corner can help to take the fear and confusion out of travel insurance. In stressful situations like making a claim or trying to find emergency medical treatment, knowing there’s a professional working on your behalf can make a world of difference.
Many people think working with a broker will cost more, but that’s often not the case. Brokers can compare several insurance companies at once, which helps you find the best deal. They’re like personal shoppers, searching for a policy that offers both quality and affordability.
Some brokers have relationships with insurers that allow them to provide special rates or bundled deals. These discounts may not be available if you try to purchase a policy on your own through a website. By leveraging a broker’s connections, you might end up saving money and getting better coverage.
A broker focuses on your specific needs, keeping you from purchasing coverage that doesn’t apply to your situation. By trimming excess costs, you can invest your money in areas of coverage that genuinely matter, such as emergency medical benefits.
Securing the right policy doesn’t have to break the bank. With a broker’s help, you’ll see different price points side by side, making it easier to balance cost with valuable coverage features.
For visitors whose first language is not English, travel insurance can be extra tricky. Many brokers speak multiple languages or have multilingual team members. This kind of language support can help you grasp important details of your policy more easily, ensuring you’re confident in your coverage choices.
Brokers aren’t tied to a single insurance company. Their goal is to represent you, which means they can offer honest input on which policies are worth your time. If a plan from one insurer doesn’t meet your needs, a broker can recommend a competitor.
Because brokers can translate industry jargon into plain language, they may help you understand which benefits are included and which items aren’t covered. Clear communication leads to better decisions and fewer misunderstandings later.
Good communication can bridge the gap between confusion and clarity. When you trust that your broker is giving unbiased guidance, it’s easier to feel at ease about your insurance choices.
Whether you’re planning to hit the slopes in Banff or go white-water rafting in British Columbia, certain sports or activities come with extra risks. A broker can identify these risky pursuits and suggest policies that cover injuries related to them. Without this coverage, you could face large medical bills if an accident happens.
Nobody wants to think about things going wrong on a trip. However, the reality is that accidents, illnesses, and travel disruptions can happen to anyone. Brokers know how to evaluate your itinerary and pinpoint potential issues. With the right policy, you’re prepared for challenges that could otherwise spoil your trip or harm your health.
Canada is huge, and conditions vary widely across provinces. If you’re heading to the remote north, you might need coverage for air ambulance services. If you’re exploring bigger cities, you might want extra personal property protection. A broker’s localised knowledge helps ensure your policy makes sense for your plans.
Finding the best quality healthcare insurance for your move to Canada is one of the most important things you can do as an expat. Our partner, ExpatInsure, has decades of experience finding you the best insurance available in the market.
Remember: When you team up with a broker, you’ll have a professional guiding you to the best options for your specific situation. That alone is worth the peace of mind, so you can focus on enjoying Canada’s beautiful landscapes, vibrant cities, and welcoming culture. Safe travels!
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