You're going on a trip. Congratulations! Whether you are heading to Fiji or Philly, you may want to look into purchasing Travel Insurance.
Not sure what Travel Insurance covers? Here are 5 basic types of coverage provided with vacation insurance:
This is the #1 concern with most travelers.
Plane tickets, cruise fare, tour packages, hotel rooms, charter fishing boats, golf greens fees.
You invest money when planning a trip. If these expenses are pre-paid and non-refundable, you risk losing it if something goes wrong.
Covered reasons to cancel your trip (partial list):
- Sickness, injury, or death of you, a family member, or a traveling companion
- Hurricane damages your destination or cancels your flight
- Laid off from work or required to work
- Terrorist incident in your destination city
- Bankruptcy of your travel supplier
- Called for jury duty
Trip Interruption Coverage is similar to cancellation coverage, but covers you while you are on your trip for the same list of covered reasons. If something happens and you are required to return home, insurance will reimburse you for the lost portion of your trip…as well as any additional expenses for the last-minute flight home.
Medical emergencies abroad
This is crucial, and often overlooked.
Most people think they are covered for medical emergencies if they already have existing health care insurance. Within the United States, that will be true. Outside the U.S., however, is a big IF. Most do not provide coverage, and Medicare never covers you abroad.
For cruises, your health insurance from home may not cover you if you’re traveling on a foreign-flagged ship (which includes most cruise ships).
Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel abroad.
Even if you are covered for basic emergency care overseas (again, a big IF), your current health insurance provider will almost certainly NOT pay to evacuate you and send you back to the U.S.
Emergency Evacuation Coverage will pay for emergency evacuation expenses such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care.
An ambulance to the hospital, an airlift to a more adequate hospital, getting you back home on board a medically-staffed flight afterwards…evacuation expenses can easily cost $50,000.
Lost bags, delayed bags, delayed flights
Baggage Coverage can reimburse you for your personal belongings if your luggage is lost, stolen or damaged.
Baggage Delay Coverage provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.
Travel Delay Coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.
Phone assistance 24/7 worldwide
This is about having a ‘lifeline’ to call when something happens.
Medical emergencies, stolen baggage, lost passports, cancelled flights. Every travel insurance company provides 24/7 support for all of these needs.
This service is most important when you have a medical issue.
24/7 Travel Assistance Services can help you:
- Locate the nearest adequate hospital if needed
- Organize medical transportation
- Arrange for treatment and overcome any language barriers
- Organize transportation home
- Replace prescriptions in an emergency
In addition, non-medical assistance may include:
- Lost baggage search; stolen luggage replacement assistance
- Lost passport/travel documents assistance
- Travel information including visa/passport requirements
- Emergency telephone interpretation assistance
Complete our Travel Insurance Quote Form now and let the licensed insurance agents at Joyce, Jackman & Bell Insurors protect you!