Travel Insurance Guide

Do you have plans for Summer travel? The summer is the most popular season for destination-traveling among US residents. This may be due to Summer Vacation that most schools employ in the US. Also, the weather is less-likely to affect travel conditions.

Many things can happen before your departure or when traveling. You can fall sick, for example, and have to cancel your trip. You could lose your baggage, or your possessions can be damaged while on a trip.

Such incidences can be frustrating, and they can cause considerable monetary loss. Travel insurance provides a financial safety net to ease the pain of travel interruptions.

Many companies that sell travel packages and tickets allow their customers to purchase travel insurance. Some policies can even extend coverage to rented property like cars.

Read on to learn more!

Types Of Travel Insurance Coverage

Travel insurance protects you against various risks. The following are the most sought after types of coverage.

Trip Cancellation Insurance

Trip cancellation or trip interruption coverage compensates for prepaid non-refundable travel expenses. Insurance companies vary on acceptable interruption or cancellation grounds. Some of the satisfactory reasons include illness or demise of a loved one, bad weather, and unexpected business problems.

Baggage And Personal Effects Coverage

This coverage protects stolen, lost, or damaged possessions during a trip. Even though most airlines and carriers pay when they are at fault, compensation is often inadequate. Personal effects insurance offers additional coverage.

Medical Coverage

Medical insurance can help locate doctors and pay for medical expenses. The price depends on the package chosen and the provider. Some policies can cover medical evacuation, airlift to a medical facility, and extended stays in hospitals.

Accidental Death And Flight Accident Coverage

Travel accidents can cause severe injury, disability or even death to the insured or a family member accompanying the traveler. In such cases, the surviving beneficiaries can receive benefits.

If you have life insurance, you may not have to buy accidental death coverage. However, your beneficiaries can enjoy two payouts if you secure both policies.

Tips for Choosing Travel Insurance

Selecting a travel insurance package can be confusing due to the many types of coverage it includes. If you aren’t careful, you can buy needless coverage making your policy more expensive than necessary. Below are some travel insurance tips to guide your buying decisions.

1. Understand The Types Of Travel Insurance

Travel insurance has many components, some of which we have already discussed. Most insurance companies offer bundled packages consisting of several covers.

Assess your needs and protect what matters. If you need medical coverage, for instance, it should come before personal effects coverage. Still, you need to choose between short term and major medical coverage insurance.

2. Protect What Is Worth Worthwhile

You don’t need to buy insurance for every trip. If the potential risk in flight cancellation is a few hundred dollars, travel insurance may not be necessary. Conversely, it’s worthwhile to protect a vacation worth thousands of dollars.

3. Get Cover When Booking Your Trip

You can buy travel insurance a few days to your trip, but it doesn’t work all the time. For instance, a trip cancellation insurance won’t cover you if you buy the policy after falling ill. It’s advisable to purchase insurance when booking your travel.

4. Age And Health Matter

The state of your physical health is a critical factor in determining the premiums of your travel insurance. Your age will also influence the cost of your package. Generally, younger and healthier persons pay lower premiums than older people with health issues.

5. Consider Family Travel Insurance

Family travel insurance is an excellent option for someone traveling with his or her spouse and children. If you go in this direction, find out if it covers your partner or children if they travel alone. Family travel coverage is more affordable than buying insurance for each family member.

6. Compare Single-Trip Insurance To Annual Coverage

Your travel insurance provider may offer single-trip insurance to cover you for one get-away. Frequent travelers may find the annual travel insurance to be a better fit, however. Annual travel insurance coverage can save time and money for the busy traveler.

7. Confirm The Covered Countries

Most travel insurance covers cover specific countries. It’s imperative to confirm which ones are under your policy. You don’t want surprises like missing a payout for being in the wrong country. Be prepared to pay substantial premiums if you choose the worldwide cover multi-trip policy.

8. Get Car Insurance

Some car insurance policies cover you when driving abroad, while others demand an extra amount. Check the extent of coverage with your insurance company and make plans for car insurance if necessary.

9. Assess The Maximum Trip Duration

Maximum trip duration is an important consideration, especially with multi-trip travel insurance. Most policies will provide coverage for up to 31 days per trip. If you will be staying away for longer, inform your insurer for advice.

10. Baggage Coverage May Not Be A Must

You may not have to cover your baggage with travel insurance if you have a personal property policy. It may be part of your homeowners’ coverage. However, consult your travel insurance provider for clarification before leaving out your bags.

When Travel Insurance Saves the Day…

You Have To Cancel Your Trip

You are preparing to travel, but hail wrecks your house, or a family member falls sick or passes away. Would you still proceed with the trip? If you have to cancel your journey for a weighty reason, travel insurance reimburses your prepaid expenses like air ticket.

Flight Cancellation

Let’s say you reach the airport and realize that flights to your destination aren’t operating due to bad weather. A trip cancellation coverage can refund the cost of a new ticket or accommodation as you await normalcy.

Missed Connection

A delayed flight can make you late for the departure of a planned connecting flight. You would need to make arrangements for another flight to get you to your destination. A missed connection coverage compensates for the expenses that come with such travel changes.

Lost Or Delayed Luggage

Your airline erroneously leaves your baggage behind, or you lose everything during the journey. You reach the destination without extra clothes and personal items. If you have coverage for delayed bags, the insurance company can reimburse for the essentials you buy to stay comfortable.

You Get Injured Or Sick While Away

Medical coverage comes in handy when you need healthcare services while on a trip. It offers assistance services to locate a hospital and arranges for your transport. You won’t face large medical bills when your travel insurance policy has medical coverage.

Terrorist Activity

Acts of terrorism just when you are about to visit a country can force you to reschedule your trip. However, you could lose money in non-refundable expenses. Your terrorism coverage in travel insurance can recover some of the costs.

Extreme Weather Ruins Your Destination

You are going for a vacation, but a tsunami destroys the hotel you have booked a few days to your holiday. Protection for weather damage can reimburse your prepaid costs. A travel assistance service provider can also organize an alternative vacation destination.

Lost Passport

As you move around with your stuff during your trip, there is a chance of losing some things, like the travel papers. If you lose your passport, your travel insurance can help replace and pay for a new one.

The Bottom Line On Travel Insurance

Travel insurance is a crucial consideration for travelers. Things can go haywire while you are away or even before your trip and cause considerable financial losses. Insurance can help to offset your medical bills and other expenses related to the inconveniences of being away from home.

The cost of the travel insurance policy, the benefits provided, as well as coverage exclusions will very greatly among competing insurance companies. An independent travel insurance agency will be able to provide the best comparative analysis to find the best travel coverage at the lowest cost.

Contact us today for free travel insurance quote comparison.

 


January ShubertJanuary Shubert
13:50 08 Apr 24
Excellent customer service. Professional and knowledgeable. Received what I needed and wanted at a reasonable price.
Melton TimmonsMelton Timmons
23:05 05 Apr 24
John is a great person first. As an agent he is very knowledgeable of the products and services he offers. For every question I had, he provided answers and solutions. I am very comfortable with him and if you need a capable agent, please contact John Claeys.
Rosa MartinRosa Martin
21:53 05 Apr 24
John is a very knowledgeable person in his profession. He has helped my husband, my sister, and myself to find the best affordable insurance for each of us…He made navigating through Medicare a breeze for me. He is willing to help in any way and any time of the day.Thank you John for all your help.
Johnny CoffmanJohnny Coffman
16:33 05 Apr 24
He explained the ins and outs of how Medicare works and clarified the confusion. Highly recommend John Claeys!
Mark BleuerMark Bleuer
22:48 03 Apr 24
John is very professional and courteous. His knowledge and attention to detail is exemplary. I can highly recommend Claeys Group Insurance. He does a great job.
sheila Rhynesheila Rhyne
14:58 03 Apr 24
I have had excellent customer service.Claeys insurance company has helped me for several years now and he does a wonderful job setting me up with the right insurance that fits my needs .I really appreciate the job he does and Thank you again.
Scott GillScott Gill
00:34 03 Apr 24
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the various options.
Karen DeemKaren Deem
21:02 02 Apr 24
John was very pleasant and professional. Medicare can be very confusing. He had all the answers for me.
Beth HamillBeth Hamill
17:52 02 Apr 24
I am so thankful for John's help and kindness...he explains everything so clearly and I feel confident that he is truthful and finding the best plan for me.
Margie FisherMargie Fisher
22:38 13 Feb 24
My husband and I have used John's services for several years, as do many of our friends. At no time has his recommendations let us down. He is kind, patient in making sure we understand our choices and was there for any and all questions afterwards. He would be our ONLY choice when it's your turn to use his insurance services. He will not let you down. What a professional! 🙂
Jerry JonesJerry Jones
02:27 08 Feb 24
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all my questions.
marvitta hallmarvitta hall
23:31 07 Feb 24
Tonda SammonsTonda Sammons
21:26 07 Feb 24
Judy CraftonJudy Crafton
20:54 07 Feb 24
Mr. Claesy, was a pleasure to work with on just a short time table, my not paying attention to dates for Medicare changes! We really appreciated his response and meeting personally with us. We highly recommend him for your insurance needs. Thanks again for doing a wonderful service.
Dannie SkipperDannie Skipper
20:50 07 Feb 24
John was very helpful in selecting insurance companies for Roy. He demonstrated that he was very knowledgeable about what was available and what was needed. He made recommendations, provided details, and gave good advice to us. He was flexible and did what we asked of him to complete the process of selecting the best insurance companies for the situation. We are grateful for his help and pleased with the results.
KevinKevin
14:47 24 Jan 24
John is a very knowledgeable subject matter expert and is thorough in his approach. He takes time breaking down and explaining what can be a somewhat complex subject and helps makes it easier to understand! John always has the best interests of his clients guiding his recommendations. We have found John's advice to be extremely helpful and would recommend him to anyone seeking health insurance.
Laura BogenschutzLaura Bogenschutz
18:06 21 Jan 24
John Claeys is the best! He has helped my husband and I tremendously with our Medicare and supplement coverage! He breaks it down to where you can understand it! We would be so confused without John!! Thank you John for being there for us!!
Thompson FamilyThompson Family
15:46 18 Jan 24
John Claeys is one of the most knowledgeable individuals on Medicare and supplemental insurance plans you can ever find. Not only is he very personable he also stays involved from year to year to ensure you have the best policies for your current needs.
Ingrid FauskeeIngrid Fauskee
23:21 17 Jan 24
I just got a Medicare plan through John Claeys. I was getting a lot of mail about Medicare and was so confused. Some friends told me about John so I emailed him and he contacted me right away.. He was amazing! He went through everything with me, he explained every detail and was so patient with all my questions . So grateful to him for all he did. Thank you John.😁
John Claeys helped me understand the in's and out's of Medicare. He found the best insurance and prescription plan to best suit my needs at an affordable price.Thank you John!Laurie Boriskie
Marsha AllenMarsha Allen
16:55 24 Oct 23
My experience with John was definitely 5 Star! He explained everything thoroughly, and simply. He answered all my questions regarding Medicare completely. I would absolutely recommend John, without reservation.
js_loader
by: