What To Know About Travel Insurance

11/13/2019 1:19:45 PM Link |  | Add comment

Planning a getaway to the Bahamas, a Caribbean cruise, or just a trip to visit family in Colorado? If so, you’ve likely thought about flights, rental cars, where you’ll stay, restaurants at which you’d like to eat, and experiences you definitely don’t want to miss during your visit. But have you thought about travel insurance? Many people never consider this insurance, and it’s understandable – it can seem like just another thing you have to pay for. However, travel insurance might make or break a trip. Here are 5 things you should know.

What Is Travel Insurance?

Travel insurance is intended to cover the many different types of expenses you may incur, should your plans go awry. There are several types of travel insurance offered by most insurance companies, including:

* Medical & Evacuation Insurance
* Flight Insurance
* Vacation Insurance – Trip Cancellation & Interruption

If you are involved in a medical emergency during your travels, Medical & Evacuation insurance will cover most or all of the costs of your hospital stay and care, as well as any costs needed to evacuate you. It will ensure that you are able to access quality care while abroad, or able to be transported to a quality facility.

Trip Cancellation & Interruption policies will typically cover non-refundable trip costs if you are unable to travel due to situations such as illness or other unforeseen circumstances. It will also cover you if you must return home earlier than expected due to illness.

Flight insurance covers accidental death or dismemberment while on the aircraft, flight delays, and baggage reimbursement for lost or stolen luggage.

Want a free Travel Insurance Quote? Give Travel By Ginny a call: 321-632-5610

Who Should Get Travel Insurance?

If you want to protect your personal belongings while traveling, your health, your access to quality medical care, and the finances you invested to take your trip, travel insurance may be for you. If you frequently travel for work, you may also want a standard Trip Cancellation & Interruption policy for unforeseen circumstances.

What Does It Cost?

Typically, you can purchase the above plans as single trip plans, but the Vacation Insurance and the Medical & Evacuation plans are also sold as annual multi-trip insurance plans, which will cover you throughout the year and up to 1 month per trip.

Do you already have coverage?

It’s important to know that your home or health insurance policy may not provide full coverage if you travel outside of a designated network area, or internationally. Speak with your insurance agent to review your policies and find out exactly what they cover. Then give Travel By Ginny a call to secure travel insurance if you find that they are not sufficient for your needs.