TRAVELINSURANCE

Do You Need TravelInsurance?

You may not need travel insurance, if you are already adequately covered by other insurance policies. Depending on the travel insurance plan, travel insurance usually promises to cover you for cancellation or interruption of your trip, some form of emergency medical care while you are traveling, lost or stolen luggage, and various other troublesome occurrences.

Before you decide on a travel insurance plan, it is wise to investigate the plan carefully and read the fine print. You should closely check any agreements with your travel agent, tour operator, airline, or other companies involved with your travel plans. The agreements may include written guarantees.

If you have a fully refundable airline ticket, you may decide that you would not need trip cancellation/interruption insurance.

Some plans may include, or offer as an option, Accidental Death, Flight Accidental Death, and Rental Car coverage. Travel insurance can provide you coverage for medical expenses, trip cancellation/interruption, baggage damage, and more.

TRAVELINSURANCE

Most travelinsurance policies are found in one or more of four general types:

Package travelinsurance: the most popular type of travel insurance. Package plans are designed specifically for a single trip. They are ideal for cruises, tours, air trips, vacation home rentals, whether foreign, domestic, or for leisure or business travel. This type of plan is pre-bundled by the insurance company and provides a wide range of travel coverage such as:

• trip cancellation
• trip interruption
• travel delay
• baggage and personal effects
• baggage delay
• emergency evacuation
• travelers assistance and medical expense.

This type of insurance is usually rated based on 3 factors:

• your age today
• the cost of your trip
• the length of your trip.

Travelhealthinsurance

Travel plans are specifically designed to provide medical coverage while you are on your trip. Many group and individual health insurance plans either don't cover you outside your coverage area or will restrict coverage to emergencies only. We strongly recommend that you call your health insurance provider to determine what you will be covered for before deciding on the amount of coverage to buy.

Travelinsurance - Flight Accidental Death

Travel plans that include a limited form of Accidental Death coverage providing protection while you are boarding, alighting from, or riding as a passenger on a scheduled flight of an airline. Some plans include coverage as part of a package of insurance and others offer it as an option. Coverage is available up to $1,000,000. Insurance for RVs

TravelinsuranceMedical Evacuation/Repatriation

travel plans that either include or have been specifically designed for medical evacuation/repatriation coverage. This coverage is designed to evacuate a seriously ill or injured client to the nearest medical facility and, in some cases, then back home.
 

Travelinsurance - Medical Insurance

The Department of State strongly urges Americans to consult with their medical insurance company prior to traveling abroad to confirm whether their policy applies overseas and whether the insurance policy will cover emergency expenses such as a medical evacuation. To ensure proper reimbursement of medical expenses by insurance carriers, the U.S. Embassy recommends that patients ensure they have sufficient documentation of their care and treatment before leaving the health care facility. The Social Security Medicare Program does not provide coverage for hospital or medical costs outside the United States.
 

To receive the most benefit from a travel insurance policy you must purchase the travel insurance within 7 to 21 days of making your initial trip payment. Travel insurance can offer trip protection against trip cancellations, lost baggage, baggage damage and travel health problems.

Continue your search for Travelinsurance