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Cross border personal injury: The intricacies of travel insurance

Many Vancouver residents take frequent trips to Seattle or other destinations south of the border. However, a significant number of those travellers neglect to take out travel insurance because such trips might be part of their frequent commutes and not seen as international travels. Cross-border personal injury or illness can have unanticipated financial consequences that might be worth considering.

With the availability of apps for almost anything one could think of, it is not surprising that there is now an app for buying travel insurance. While that might be a convenient way to do it, consumers might be smart not to rush into such transactions. The health status of each person is unique, and the insurance app might not provide specific benefits as required by the app user.

Will there be exclusions for specific illnesses or injuries, and what about waiting periods and coverage for existing conditions? Will it cover critical diseases such as a heart attack or stroke? These are but some of the reasons why this app is one that might need careful consideration.

Car accidents, slip-and-fall injuries, food poisoning or other illnesses and injuries can happen to anyone at any time. However, if this happens in another country, it all becomes more complicated. The challenge could be exacerbated if a victim then finds that a particular injury or illness is not covered by travel insurance. For these reasons, it might be a good idea to discuss travel insurance with an experienced Vancouver lawyer who deals with cross-border personal injury every day before signing a policy contract or downloading an app on the fly.