Provincial health insurance provides minimal coverage once you cross the border. A single emergency hospitalization in the United States can cost $10,000 per day or more. Cherry places travel insurance that responds when your provincial plan doesn't - for individual trips, family vacations, and frequent travellers.
The most critical component of any travel policy. Covers emergency hospitalization, physician fees, ambulance, and medical evacuation outside your province of residence. Saskatchewan's provincial health plan reimburses a fraction of out-of-country medical costs. Emergency medical travel insurance covers the rest.
Protects your prepaid, non-refundable trip costs if you need to cancel before departure or return home early due to a covered reason - illness, family emergency, death of a family member, or certain unforeseen events. Cherry reviews the covered reasons carefully so you know exactly when the policy responds.
Covers the cost of lost, stolen, or damaged luggage. Also covers emergency purchases if your baggage is delayed on arrival - so you're not wearing the same clothes for three days waiting for your suitcase to catch up.
If your flight is delayed for a covered reason, travel delay benefits cover meals and accommodation costs while you wait. Coverage kicks in after a minimum delay period - typically 4 to 12 hours depending on the carrier.
If you travel more than once a year, an annual multi-trip policy is typically more cost-effective than buying individual trip policies each time. Cherry places annual travel insurance for Saskatchewan frequent travellers and snowbirds.
Travel insurance needs to be purchased before you depart - you cannot buy it after something has already happened. A Cherry broker can place your coverage quickly, often on the same day.
Saskatchewan's provincial health insurance provides very limited coverage outside the province and almost no meaningful coverage outside Canada. Emergency hospitalization in the United States, for example, can cost $10,000 per day or more - far beyond what provincial plans reimburse. Emergency medical travel insurance is essential for any trip outside Canada.
As soon as you book your trip. Trip cancellation coverage only protects prepaid costs incurred after the policy is purchased. If you wait until the day before departure, you lose coverage for any cancellation events that occur in the meantime. Cherry can place travel insurance quickly - call 306-653-2313.
It depends on the policy and the carrier. Many travel insurance policies exclude pre-existing conditions entirely, while others cover them if they are stable for a defined period before departure. Cherry brokers review your medical situation and find carriers with the right coverage terms for your health history.
Trip cancellation coverage reimburses your prepaid, non-refundable trip costs if you cancel before departure for a covered reason - typically illness, injury, death in the family, or certain unforeseen circumstances. Cherry reviews the covered reasons so you understand exactly when the policy pays out.
Yes. Standard travel policies often limit single trips to 30 or 60 days. Snowbirds spending extended winters in the US or Mexico need policies designed for longer stays - sometimes called extended stay or snowbird policies. Cherry places these annually for Saskatchewan clients heading south.
US medical costs are the highest in the world, which makes emergency medical coverage especially important for US travel. Some policies have different limits or conditions for US coverage versus other destinations. Cherry reviews destination-specific terms when placing your policy.
Baggage coverage pays for lost, stolen, or damaged luggage and personal belongings. Baggage delay coverage pays for emergency clothing and toiletry purchases if your bags don't arrive with you. Limits vary by carrier - Cherry will confirm what the policy actually pays before you buy it.
Yes. Annual multi-trip travel insurance is available for Saskatchewan residents who travel more than once a year. It is typically more cost-effective than buying a new policy for every trip. Call Cherry at 306-653-2313 to compare annual versus single-trip options.