The last long weekend of the summer is fast approaching. The border is open, and the beaches of Ogunquit or other Maine beauty spots are within your reach. With the right insurance, you can leave without a care in the world. Here’s some good advice for a worry-free trip.

Health restrictions may vary from week to week, and from state to state. Check the public health websites of the states you plan to travel through as well as Canadian government notices.
Also make sure to have all necessary documents for each traveler on hand, including up-to-date health insurance, passports, driver’s licenses and proof of auto insurance. 

Auto insurance

Most auto insurance policies cover travel to the States, but may be subject to some restrictions. For example, the duration of coverage may be limited to a certain number of months. Even if your policy doesn’t specify the maximum period, claims for stays longer than six months are assessed on an individual basis.

It isn’t necessary to notify your insurance representative every time you leave province, but you should mention that your vehicle will sometimes be used outside the province. If in doubt, take the time to review your contract before leaving, or contact your representative. 

Travel insurance

Something as simple as a broken arm can cost tens of thousands of dollars south of the border. That’s why it’s important to have the right travel insurance.
Travel insurance also protects you against other unforeseen events like trip cancellation or lost baggage. Your insurance representative can advise you on which coverage is best for your family. 

Roadside assistance

Breaking down is often an anxiety-ridden time for motorists, not to mention the risk you put yourself in by staying with your car on the side of a road. Roadside assistance can take you to a safe place where you can easily deal with the breakdown of your vehicle.

Roadside assistance will also be the best service you have available to access local help from a repair shop or garage.

Ultimately, the peace of mind that roadside assistance gives should not be underestimated. The benefits are numerous and, as such, there are many reasons to ensure you have it. If you often drive with passengers, such as with your children in the car, knowing that you have a backup plan is incredibly reassuring. Fast and local assistance is a great help when anything goes wrong on the road and your vehicle has broken down.

In the event of an accident in the United States

Unfortunately, many Canadians also get into auto collisions during these trips.
The first thing that you need to do after you ensure everyone is safe, is to call your insurer right away. Your insurance company will guide you through the process and tell you what steps need to be taken.

Many Canadians make the mistake of waiting until they are back in the country to call their insurer. This will only make things more complicated when making a claim.

Insurance companies see thousands of claims from across the border each year. They have relationships with suppliers in the US to ensure that you are properly taken care of and have access to speedy repairs.

It is also important to highlight that many policies may not continue coverage if you drive your vehicle outside of Canada for an extended period of time.

It’s these situations that an insurance broker or insurer is there to assist with, so give them a call.

Sources: Intact Insurance, Aviva Insurance