Insurance

All passengers travelling with Lobstick Tours MUST have adequate out-of-country medical insurance.

Passengers have the option to obtain insurance at their discretion. You want to make sure that you and your investment is protected. If you choose to purchase insurance through a different provider, make sure you know the terms, conditions and exclusions of your policy.  Do not assume it will provide full coverage for your holiday because some policies have a lot of limitations on them.

We strongly recommend purchasing a policy or a combination of policies that will cover you for emergency medical, cancellation, interruption and baggage loss and damage.


Medical Insurance

The MANULIFE WORLD TRAVEL INSURANCE MEDICAL POLICY will provide you with 24-hour emergency assistance and unlimited coverage with no deductibles or split payments. They are often able to deal directly with the hospital or clinic, meaning that you do not have to come up with the money for medical bills up-front and wait for reimbursement.


Cancellation

Cancellation insurance is going to protect you if you should have to cancel before you travel. Travel can be very expensive and many travel products are non-refundable. Once you’ve paid your trip deposit (or even the full amount), any number of unexpected reasons can cause you to have to cancel your trip. The 46 insured risks in this policy include coverage for sudden illness, death in the family, delays and schedule changes.


Interruption

Interruption insurance is similar to cancellation insurance, but it is going to protect you while you are travelling. It is there to assist you if you should have to rush home, mid-trip for an emergency or deal with delays and natural disasters.  


Baggage

This covers physical loss of, or damage to your baggage, personal effects and travel documents (passport, tickets, etc) while you are travelling.  


Prices are based on trip duration, total cost of non-refundable portions of trip and your age when you are purchasing the package.

Medical questionnaires need to be completed by anyone over the age of 75 who would like medical coverage.

Please call our office for rates or for more details on policies. 1-800-665-0171 or 306-763-7415.