About BestQuote Travel Insurance Agency

BestQuote Travel Insurance Agency is a tradename/business unit of Select First Financial Services Inc., an incorporated life, accident and sickness insurance agency wholly owned by Bob Hornal, an independent financial advisor. Currently, BestQuote Travel Insurance Agency is licensed in the provinces of British Columbia and Ontario.

I'm Bob Hornal, founder of this comparable quote travel insurance website. I'v been a financial advisor for more than 8 years, helping my clients with their insurance and investment needs. I have been fortunate enough to have travelled to over 30 countries, and I know how much fun it can be, and how it can also bring undesired surprises and difficulties. I implore my clients to have travel insurance when they leave the country, although I probably don't need to explain the importance of travel insurance for those of you who have already found this website.

Lost baggage, flights being delayed, children catching a virus on the plane, traffic jams, all sorts of things can happen when you leave home. Before becoming a financial advisor, I went through the unfortunate experience of one of my parents passing away in the United States, due to a sudden and unexpected change of health. There was no emergency medical travel insurance to cover hospital costs. Extended health covered $25,000 which was fives times the normal provincial coverage, but less than 20% of the total medical expenses.

So I understand that I wouldn't be doing my job very well as a financial advisor to allow my clients to travel without travel insurance. I think it's a reasonable and necessary expense for anyone traveling out of the country. It's important to have. It's also important to read the contract details, before you buy it. Those contract details can vary widely between companies, and so can the classification of medical risk they put you in, or the premium they ask you to pay.

The older you become, the more important it is to be able to shop around to find the coverage you need at a reasonable price. It seems like most travel insurance companies are competitive one third of the time, reasonably priced another third of the time, but the last third of the time they don't want the business, but they have to offer coverage at some price.

Why? Because they have distributors that only carry one insurance company. So even if they really don't want to take the risk of offering a 67 year old male smoker on high blood pressure medication any insurance for his four month trip, they have to because their distributor (bank, drug store, credit union, travel agent, automobile association, etc.) has clients like that. So they price the offer unreasonably. It's too bad that (I would guess) more than 90% of Canadian travel insurance purchases are through distributors that only carry one insurance company.

BestQuote Travel Insurance Agency helps you avoid that trap. By pricing the coverage you need at multiple different companies, you'll find the company that wants your business, and has a competitive price. But don't stop there. Read the details and compare coverage to ensure you get the coverage that makes the most sense for you (and your family), at the best price.

This website service has been made available to other financial advisors on a referral basis, who are recognized on the site as being the referring agent. This helps us maintain the site and personal service by spreading the costs over a wider client base. Please read our Terms of Use and Privacy statements to answer any of your concerns.

Thanks for supporting small business by using this website. We might be a small agency, but we are already the industry leaders in the use of web-based technology for comparison purposes. Together by partnering with the largest most reputable insurance providers in Canada, we offer a service level that is second to none in the business. Our website's tools are designed to help you get the insurance you need online, but if you need personal assistance, please call us. We will be glad to help you.

Please help us improve our website by offering your feedback or comments to BestQuote Travel Insurance Agency.

And have a safe trip!

Bob Hornal
President