Click Insurance

Ai-je besoin d'assurance voyage ?

Monday, September 12, 2022 Dernière modification le Tuesday, September 13, 2022

Vous prévoyez partir à l’étranger vous griller la couenne sur une plage ou arpenter des sentiers montagneux? Lisez attentivement ce qui suit avant de prendre l’avion!

À quoi sert l’assurance voyage

Si vous avez une carte d’assurance maladie valable, sachez que la couverture offerte par la Régie de l’assurance maladie du Québec est valable partout dans le monde, tant que la durée de votre séjour hors Québec n’excède pas 183 jours. Il faut cependant noter que la Régie ne couvre pas certaines dépenses et en couvre d’autres partiellement. Voilà pourquoi il est sage de se procurer de l’assurance voyage pour couvrir tout ce qui ne l’est pas par la RAMQ.

Quel genre d’assurance prendre?

Certains d’entre vous bénéficient peut-être déjà d’assurance voyage sur votre carte de crédit ou par l’entremise de vos assurances collectives. Sinon, vous avez le choix entre l’assurance pour un seul voyage, ou l’assurance annuelle pour couvrir tous vos voyages. Cette dernière est avantageuse lorsque vous comptez faire plus de deux voyages dans l’année. Vous pouvez aussi obtenir des couvertures additionnelles pour couvrir vos bagages et l’annulation du voyage.

Soins d’urgence

Les polices d’assurance voyage proposent un montant pour couvrir les frais liés aux soins d'urgence et qui ne sont pas couverts par la RAMQ, ainsi que les frais de transport et de rapatriement. Plusieurs proposent aussi une indemnité en cas d’invalidité ou de décès accidentel. Il faut cependant faire attention si vous êtes hospitalisé en raison d’un problème médical connu. L’assureur peut refuser de couvrir toute condition préexistante. Il s’agit de toute blessure ou condition médicale survenue avant de prendre cette assurance et pour laquelle vous aviez reçu un diagnostic, une prescription, un traitement ou même des symptômes.

Quelques petits trucs

En général, il est bon de prendre l’option pour les bagages puisque votre police d’assurance habitation comporte des limitations pour les biens hors des lieux assurés ainsi qu’une franchise. L’option annulation de voyage peut être très utile si vous voyagez pour affaires et que le rendez-vous est annulé, ou lorsque vous ratez une correspondance.  Si vous pratiquez un sport extrême, notez que la plupart des polices ont une exclusion à cet effet.

Faites le choix qui s’impose

Besoin d’un professionnel d’assurance qui pourra vous aider à identifier vos besoins réels afin de vous proposer la protection la mieux adaptée ? La meilleure adresse, c’est ClicAssure. N’attendez pas : en quelques clics, vous obtiendrez la meilleure offre d’un de nos partenaires.

Start a travel insurance quote request

Start Your Quote Request

Start your travel insurance quote request now

Notice

The following terms of use govern the use of the ClickInsurance.com website ("Website") and its applications that allow you to submit an insurance quote request electronically. Please read them carefully since by accessing the site, you acknowledge having read them and you agree to respect them. ClickInsurance.com reserves the right to modify these conditions at any time and without notice.

Quote Request

You assume full responsibility for any quote request completed on the Website and you agree to provide, in good faith, accurate and up-to-date information in order to obtain insurance quotes from ClickInsurance.com business partners. ClickInsurance.com will forward your quote request to certain of its business partners who may be interested in submitting an insurance quote to you so that they may send you such insurance quote by email, text message, telephone or mail. Your quote request will be sent to certain business partners so you can get up to three submissions. In certain cases, however, such as for particular risks, travel insurance or life insurance, your quote request will be sent to a single partner, a brokerage firm that specializes in this type of insurance and is able to get quotes from multiple insurers.

Protection of Personal Information

The confidentiality and security of your personal information is important to ClickInsurance. That is why we have adopted privacy principles and put in place controls to ensure we protect your personal information and your privacy, in accordance with applicable laws. For more details, see:

Responsible use of Website

You must use the Website responsibly and for the purposes for which it is offered. The following gestures or behaviors are prohibited :

  • Violate any law in force;
  • Give false, misleading or deceptive information;
  • Apply on behalf of someone other than yourself or your business;
  • Apply under a fictitious name;
  • Use a robot or any other electronic means to access the Website and collect all or part of its content;
  • Bypass protective measures to prevent or restrict access to any part of the Website;
  • Introduce a virus, spam, Trojan horses or any other malicious or offensive technology that may cause harm to the Website, ClickInsurance, its property or interests or any other user;
  • Disrupt or interfere with the functionality of the Website or any server or network involved in the operation of the Website.
In case of non-compliance with these rules or any improper use of the Website, ClickInsurance reserves the right to restrict or withdraw your rights to use the Website.

Copyright and Trademarks

All information available on the Website is protected by copyright laws. It is strictly prohibited to distribute, reproduce, copy, publish, save, modify or otherwise use, in whole or in part, the information it contains without the written permission of ClickInsurance. Any use of the ClickInsurance trademark, its logo or any other distinctive sign or name of products or services appearing on the Website is prohibited without the prior written permission of ClickInsurance.

Absence of Warranties

The Website is offered as is for your personal use, and according to its availability, by ClickInsurance without any representation or warranty of any kind whatsoever. ClickInsurance offers an insurance quotes comparator service and offers no products or financial services. Accordingly, ClickInsurance is not party to any offer, commitment or insurance contract that may be entered into between you and an insurer as a result of any quote request and assumes no liability in respect thereof, or with respect to representations made by its business partners.

Non-Liability

ClickInsurance can not be held responsible for any damage of any kind whatsoever resulting, directly or indirectly, from the use or operation of its Website and the information it contains.

Links to other websites

The Website contains links to websites operated by other organizations. ClickInsurance does not endorse and is not responsible for the content of these other sites, nor for their possible modification, as these are subject to their own conditions of use. Consequently, ClickInsurance can in no way be held responsible for any damage that may result, directly or indirectly, from the use of the operation or content of these other sites.

Technologies used to improve navigation

ClickInsurance uses, on its Website, cookies which are text files placed on your computer. ClickInsurance also requires the services of specialized companies that use technologies to collect information about, among other things, your browser, system, preferences, browsing habits and IP address. The use of cookies and other technologies is used to personalize your use, measure the effectiveness of its advertising, determine the behavior of visitors to its sites, carry out targeted marketing and optimize navigation on its sites. In addition, the terms of use and the privacy policies of the service providers with whom ClickInsurance does business for the purposes mentioned in this paragraph apply to your browsing and use of the ClickInsurance sites. You can disable the use of cookies by selecting the appropriate settings from your browser. However, such deactivation could prevent the use of certain site features.

General Provisions and Applicable Laws

These terms of use constitute the entire agreement between you and ClickInsurance. If any provision of these terms of use should be declared invalid or unenforceable, the other conditions will continue to apply. This Agreement is governed by the laws of the Province of Quebec and, in the event of any dispute regarding the application or interpretation thereof, any remedy shall be brought in the judicial district of Quebec, Province of Quebec.

Questions or comments

For any questions or comments related to the use or content of the Website, . We welcome your comments in order to always offer you an efficient and quality service.

* Authorization : I authorize ClickInsurance to collect and transfer my personal information to some of its business partners who may be interested in sending me an insurance quote. I also authorize ClickInsurance and those same partners to contact me by email, SMS, phone or mail to respond to my request for insurance quotes or to allow me to finalize my request for insurance quotes.

If I accept the insurance offer of one of ClickInsurance’s business partners, I also authorize the partner to inform ClickInsurance of this acceptance to update my file. I further agree that assignees or successors of ClickInsurance's business or assets may use and disclose my personal information for similar purposes as those described in this consent.

User Reviews

Our Recent Articles