Tips for Annual-Plan Holders

A client calls to say: “Hi, we are heading across the border next week. Do I have to call you every time I plan a trip?” if they are annual-plan holders, the short answer is “no”. But you can save them (and yourself!) some time by passing along a few tips at the time of the original sale!

1 – Short trips: you need not notify anyone about a short trip any time during the term of your annual plan – provided you have not experienced a change in your health.

2 – Change in health status: call us if your health situation changes. We can then check whether you will be in danger of limiting or eliminating your coverage, and we can discuss other coverage options.

3 – Days per trip: there is a limit to the number of days you may travel per trip and still be able to submit a claim. Make sure you know what the limit is.

4 – Proof of travel: be sure to keep proof of your travel dates, in case you need to make a claim.

  • Keep your tickets. Develop a habit of saving your electronic or paper boarding passes for planes, boats, trains, and buses.
  • Create your own record. If you travel by car, bike, boat, or foot, create your own record. Simply stop before and after crossing a border to buy fuel, a snack, or other small items, and keep the receipts until you get home safely.
  • Make it official. As a further backstop, use a debit or credit card to make the purchase, or to withdraw cash. Your bank will have an electronic record of your actions if you lose the paper receipt.

5 – Risky sports or activities: always check your policy if you are planning any activities the insurer regards as dangerous. You might need to get coverage under a different plan, or avoid those activities your plan simply will not cover.

Annual travel plans are a good option for the frequent travellers on your client list. These tips could save you time later, help reassure clients now, and could limit the chance of a claim being denied.


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