I had a day off this week and decided that it was time to be productive. A while ago I wrote down a list of questions I had regarding insurance, car rentals and coverage along with all the phone numbers so that all I had to do was find a few minutes of free time and dial.
But of course, I am the queen of procrastination.
So, during my day off I left my house (and my computer) and headed to a local coffee shop and got to work.
First I phoned TD Insurance. I wanted to know how much it would cost for me to purchase medical insurance through them.
A few weeks ago I wrote a post about managing money. I went to see a Financial Adviser at TD and he helped me put away money into my savings (TFSA) as well as gave me a crash course on the importance of RRSP and credit.
Now, because I had already saved over $5000 by this point, I was eligible for the TD Infinite Travel Visa. What does this mean?
Well, let me preface this by saying that no matter what credit card you have (and yes, you NEED one), you should call them and ask questions about coverage.
When I called them this is that they told me:
(at no extra cost, these are just the perks of having a card)
- I have up to $1000 in trip cancellation insurance
- Up to $5000 in trip disruption/lost baggage insurance
- Up to $2 million in medical insurance for 15 days of my trip
- Automatic collision/loss/damage insurance on any car rental I pay for with my Visa
Crazy right? So, after finding all of this out (5 minutes on the phone well spent), I decided to purchase my medical insurance with TD as well. The cost? $201! Not bad! That’s $2 million in medical insurance coverage for the entire duration of my trip.
Next I called Budget Car Rental. I know that while in Ireland, and possibly while in Spain/Portugal, I’ll want to rent a vehicle for part of my trip. I read that in some countries it is mandatory to purchase insurance with your rental, so I wanted to find out if my Visa coverage would be enough in such a case.
I’m covered with Visa! I won’t need to pay any extra for that type of insurance, anywhere! Phew! I love saving money!
Don’t forget too, whenever I purchase anything with my card I earn points which I can then use to pay for part of my trip. It’s a win-win for me!
So, my advice is do your research! Find out all the benefits you have through your credit card company, your bank and any other company you may belong to. If you’re still a student you must get an ISIC card as it will save you loads of cash! Are you an AMA or CAA member? They have tons of perks too! Call them, find out what they can offer you! It will save you money and give you piece of mind.
To finish this otherwise serious post, I though I would share a few pictures with you from my time spent at Block 1912.
Do you see my friend?
I used this photo in this week’s Photo Challenge.
I really wanted to pet him. Yes, I know that’s weird, but he just looked so lonely all by himself. Perhaps he just wanted some company? Well, anyways, I was on the phone with Kim and she told me that I can’t pet a bee because chances were I would get stung. Wouldn’t that be a hilarious story?
“How did you get stung on your finger?”
“I was trying to pet a bee.”
“Yeah, maybe I should’ve come up with a better story”