A travel insurance plan can cover you for unexpected costs incurred before or during your trip. So that costs are less likely to come out of your own pocket, a travel insurance plan can reimburse you for the pre-paid, non-refundable portions of a trip if you need to cancel or interrupt your trip for a covered reason. A travel insurance plan can also include medical evacuation coverage (the price of which may cost upwards $100,000) and medical expense coverage, plus reimbursement for lost, damaged or stolen luggage and personal effects. Most travel insurance plans also include 24/7 assistance services to re-book flights and hotels on your behalf and act as a personal travel assistant while you are away from home. As with all travel insurance plans, always carefully read each DOC (description of coverage) to learn the boundaries of your coverage before purchasing the plan.
What Do I Need To Have To Purchase My Insurance Plan?
Before purchasing, please have the following information handy:
Personal information for all travelers who will be insured, including dates of birth.
Trip details, including dates of travel and destination.
Top 10 Reasons to Purchase Travel Insurance
There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.
It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for assistance in obtaining emergency cash, and how will you get your passport replaced?
You're involved in an accident and adequate medical treatment is not available. Who will help coordinate a medical evacuation?
If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed who will reimburse you for covered necessities? If it's stolen, who will reimburse you for its contents?
Your cruiseline, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who is able to assist in getting you to your destination?
You're walking down a street in Rio and twist your ankle. Who is able to assist you in finding an English-speaking physician?
Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will reimburse you if you want to cancel your trip?
You are at a beach resort in North Carolina, and you are forced to evacuate due to a hurricane which has made your resort uninhabitable. Who can assist you in being evacuated? Who will reimburse you for your lost vacation investment?