Why Travel Insurance is Important

What Travel Insurance is all about

You buy other insurance for specific needs. Travel insurance is the same in that it provides coverage for very specific needs. Travel insurance protects your investment in your vacation paying you for the non refundable costs of the trip if it is cancelled for covered reasons. (There are several carriers and a variety of coverage options, we typically put folks on a plan that pays cash back to them for covered losses. Some policies provide credits for future travel, and can cost just as much.)

When you travel many things can come up that cause problems with your trip or may cause you to miss the trip. Depending on the policy some things covered include cancellation due to work related reasons or dealt of family members. Illness of the traveler can also result in a cancellation and typically this is covered, even if the medical issue is a pre-existing condition when the plan is purchased with a set number of days from the trip deposit date.

While traveling you want to have coverage for the unexpected like missed connections, lost or delayed luggage, accidental injuries while away and much more. Trip interruption along with trip delay will help cover costs of extra hotels, extra air costs, food in the airport etc... There are specific rules with each policy detailing how long you must be delayed before benefits kick in, but that is to be expected since usually an hour delay doesn't cause big extra costs, unless it causes missed connections.

Think about 2010 and 2011 recall the volcano driven flight cancellations, which caused a huge backlog of travelers stuck in Europe, Africa, and the USA trying to go Trans-Atlantic. Also, several big snow storms delayed travel within the USA, Europe, and Trans-Atlantic involving flights thru Heathrow. All of these delays cost travelers a bunch of extra money, but those with travel insurance were either made whole or paid out to the maximum limit of their travel insurance.

Most of the travel insurance carriers offer as part of the package include concierge services. These services are great when you get stuck, one call to an expert advisor allows you to let them do their thing to help re-accommodate you on alternate flights, find a new hotel, find a hotel near a snowed in airport, etc... These experts also coordinate air evacuation where needed, and often can help track down the specialist doctor you need to treat your specific injuries. All of these services are included. They can also help get the claim started so you have less hassle when you get home.

It is best to call us to discuss specific travel insurance needs so we can help you

Travel Insurance Vendors

Travel Guard

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