Travel insurance is designed to cover both you and the cost of your travel arrangements against a variety of unforeseeable reasons that may affect you or your travel plans. Our custom plans help us provide travelers with the protection they need both before and during their travels.
It’s important that you understand how you are covered, when is the best time to buy, and does the Cancel For Any Reason protection make sense for you.
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It's Not Just About You!
Many people only consider their own health when deciding about travel insurance. It is not uncommon for younger people to assume that because they are healthy, travel insurance is not needed. But what about parents, grandparents, children, grandchildren, aunts and uncles? Remember travel insurance covers you if something happens to you or to any of these people, causing you to cancel your trip.
Why Buy Cancel For Any Reason?
Although there are a great many covered reasons for Trip Cancellation, not every possible reason is covered. Remember, Cancel For Any Reason is time sensitive and must be purchased within 14 days of the date of the initial deposit for the trip. With Cancel For Any Reason you are reimbursed for 75% of the non-refundable cancellation penalties for your Trip, when you cancel your Trip 2 days or more before your departure, provided you have met the purchase provisions.
For a variety of reasons, it is prudent to purchase travel insurance when you first book your trip (i.e. make your first payment for travel arrangements). Why? The travel insurance policies contain one or more time sensitive provisions that broaden coverage, if you purchase the policy within 14 days of your deposit or payment for your Trip. The time sensitive provisions which are included in our plans apply to several coverage enhancements, such as waiving of the Pre-Existing Conditions Exclusion and the Cancel For Any Reason Benefit.
Do I have Coverage Through My Credit Card?
While credit cards often provide benefits for Accidental Death & Dismemberment and other limited benefits and services, they generally do not provide the comprehensive benefits available under a travel protection plan.
Travel insurance plans include a package of benefits intended to protect you, your travel investment and your belongings when you travel. Most plans include the following benefits at a minimum:
Trip Cancellation and Interruption to reimburse you should you have to cancel or interrupt your trip for covered medical or non-medical reasons.
Medical Expense/Emergency Assistance to cover medical expenses and emergency transportation for a sickness or injury that occurs while you are traveling.
Trip/Travel Delay Benefits to cover your out-of-pocket meal and accommodation expenses due to flight delays or cancellations or for other similar covered reasons. You must be delayed for a specified amount of time, such as 8 hours or more.
Baggage and Baggage Delay to cover loss or damage to your baggage or personal items or the cost of buying toiletries or personal articles if your baggage is delayed for a specified amount of time.
Often travel arrangements are non-refundable or subject to stiff cancellation penalties. The lowest cost airline and cruise offers usually penalize you greatly if you must cancel your trip. What if your travel supplier declares bankruptcy? Someone in your family falls ill or dies? You lose your job?
Travel insurance protects your travel investment in such situations.
Baggage Loss or Delay
You've heard it before, but it bears repeating: leave your valuables at home! But what if your bags are damaged, lost or stolen or they just don't arrive on time?
Since 2001, Terrorist Incidents that disrupt travel plans have become a reality. If your planned trip is affected by an unforeseen Terrorist Incident, the TravelSafe plans are there to protect you.
Medical Expenses / Emergency Assistance
Does your health insurance cover you when you leave home? Some plans only offer limited coverage away from home; Medicare does not cover you outside the United States at all. What if you need emergency medical transportation? Many personal plans do not provide this type of coverage.
Trip Cancellation or Interruption
Unforeseen events or reasons beyond your control can influence your travel plans. Do you want to protect your prepaid trip costs if you must cancel or interrupt your trip?
Non-Medical Emergency Evacuation
Natural disasters sometimes occur…or perhaps a political situation heats up, how do you get out of harms way? With our Non-Medical Emergency Evacuation benefit, we will get you to the nearest place of safety or home if a formal recommendation from the appropriate local authorities or the U.S. State Department issues a formal recommendation for you to leave the country you are visiting. Whether it's a natural disaster; civil, military or political unrest; or your being expelled or declared a persona non-grata.
Trip / Travel Delay Benefits
What if you are stranded in a connecting city due to a flight delay or cancellation? Who is going to pay for your hotel stay and what about meals? The Trip / Travel Delay benefit reimburses you for meal and hotel expense due to carrier and other covered delays of 6 or more hours. Airlines don’t pay these expenses unless they are responsible for your delay. Most delays are due to bad weather, which is beyond an airline’s control, and the bad weather causing your flight delay could even be in a city not on your itinerary.
For a variety of reasons, it is prudent to purchase travel insurance when you first book your trip (i.e. make your first payment for travel arrangements).
Why? Most travel insurance policies contain one or more time sensitive provisions that broaden coverage. The time sensitive provisions which are included in most of our plans (within 21 days of the date you make your initial payment for your trip) apply to several coverage enhancements, such as: waiving of the Pre-Existing Conditions Exclusion; Travel Supplier Bankruptcy or Insolvency protection and the Cancel For Any Reason Benefit.
What if your airline or travel supplier ceases operations? Other airlines or travel suppliers will try to find space for you but usually at a cost, what happens if they can't meet your needs? We have plans to cover a trip cancellation or interruption due to supplier Bankruptcy or default.
Trip Cancellation covers the non-refundable trip costs when you must cancel your travel plans. All plans cover cancellation for covered medical reasons (such as Sickness, Injury or death of you, a Family Member or Traveling Companion). Additionally, certain non-medical reasons will be covered as well, such as: air carrier delays or cancellations, theft of travel documents, damage or destruction of your home, etc.
Trip Interruption covers the cost of your unused, non-refundable land or water travel arrangements and the additional air expense to either resume your trip or return home, if you interrupt your travel plans and/or return home early from your trip for the same types of medical or non-medical reasons covered for Trip Cancellation.
This benefit allows you to cancel your trip for any reason whatsoever and still be reimbursed for most of your non-refundable trip costs. To be eligible for this coverage, the plan must be purchased within the time sensitive period (within 21 days of the date you make your initial payment for your trip) and you must cancel your trip two days or more prior to your scheduled departure.
Important Tip! Non-covered medical conditions, divorces, canceled wedding plans, economic hardships, a change in plans, just a few of the types of reasons not typically covered under Trip Cancellation, but covered under Cancel For Any Reason.
This benefit reimburses you for medical treatment during your trip if you become sick or are injured while traveling. Additionally, air transport expenses (such as upgraded air arrangements, air ambulance, including doctor or nurse escort expenses) for medical evacuation are covered, if needed to obtain the appropriate level of care required for your condition.
This benefit covers you for transportation expenses to the nearest place of safety if a formal recommendation from appropriate local authorities or the US State Department is issued to leave a country due to: 1) a natural disaster such as an earthquake, wild fires or tsunami; 2) civil, military or political unrest; or 3) being expelled or declared a persona non-grata.