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Sometimes things go wrong
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These are the 5 basic types of coverage provided with
vacation insurance. This page outlines the general coverage provided
Cancellations
This is the #1 concern with most travelers.
Plane tickets, cruise fare, tour packages, hotel rooms, charter fishing
boats, golf greens fees.
You invest money when planning a trip. If these expenses are pre-paid
and non-refundable, you risk losing it if something goes wrong.
Trip Cancellation Coverage reimburses you for pre-paid, non-refundable
expenses if you need to cancel your trip before you depart.
Insurance companies provide a list of covered reasons for trip cancellation,
an overview of typical covered reasons is below.
Covered reasons to cancel your trip:
* Sickness, injury, or death of you, a family member, or a traveling
companion
* Hurricane damages your destination or cancels your flight
* Laid off from work or required to work
* Terrorist incident in your destination city
* Bankruptcy of your travel supplier
* Called for jury duty
This is only a partial list, but you can see it covers very common
situations for cancelling.
The most common reason is the first one…someone getting sick or a family
member passing away.
Trip Interruption Coverage is similar to cancellation coverage, but
covers you while you are on your trip for the same list of covered
reasons.
If something happens and you are required to return home, insurance
will reimburse you for the lost portion of your trip…as well as any
additional expenses for the last-minute flight home.
Medical emergencies
This is crucial, and often overlooked. Most people think they are covered
for medical emergencies if they already have existing health care insurance.
Most do not provide coverage, and Medicare never covers you abroad.
Would you feel comfortable having a family member risk inadequate medical
care in a foreign country?
For cruises, your health insurance from home may not cover you if you’re
traveling on a foreign-flagged ship (which includes most cruise ships).
Medical Expense Coverage will cover you for accidents and emergency
medical and dental care when you travel abroad.
Even if you are covered for basic emergency care overseas , your current
health insurance provider will almost certainly NOT pay to evacuate
you and repatriate you back.
Evacuations
Emergency Evacuation Coverage will pay for emergency evacuation expenses
such as airlifts and medically equipped flights back home, and oftentimes
will transport you to the hospital of your choice for care.
Evacuation expenses can be devastating.
An ambulance to the hospital, an airlift to a more adequate hospital,
getting you back home on board a medically-staffed flight afterwards…evacuation
expenses can easily cost $50,000.
Loss or delays while traveling
These coverage are for the “smaller things” that are nice to have.
Again, the list is not complete but it will give you an idea of some
additional coverages.
Baggage Coverage can reimburse you for your personal belongings if
your luggage is lost, stolen or damaged.
Baggage Delay Coverage provides money to buy essential items until
your delayed bags arrive, such as a toiletry kit, a swimsuit, or another
change of clothes.
Travel Delay Coverage provides reimbursement for additional expenses
if your flight is delayed, such as an extra night in a hotel or a meal
at a restaurant.
Phone assistance 24/7 worldwide
This coverage is about having a ‘lifeline’ to call when something happens.
Medical emergencies, stolen baggage, lost passports, cancelled flights.
Every travel insurance company provides 24/7 support for all of these
needs.
This service is most important when you have a medical issue.
24/7 Travel Assistance Services can help you:
* Locate the nearest adequate hospital if needed
* Organize medical transportation
* Arrange for treatment and overcome any language barriers
* Organize transportation home
* Replace prescriptions in an emergency
In addition, non-medical assistance may include:
* Lost baggage search; stolen luggage replacement assistance
* Lost passport/travel documents assistance
* Travel information including visa/passport requirements
* Emergency telephone interpretation assistance
Additional coverage with travel insurance
Travel insurance can also provides coverage for:
Life Insurance coverage for accidental death or dismemberment.
Hazardous Sports extends the medical coverage to cover activities like
SCUBA.
Rental Car Collision replaces your personal insurance or the rental
company policy.
Identity Theft provides services to help in the event of identity theft
while traveling.
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