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Travel Insurance can help you recover non-refundable costs if you have to cancel your trip. There are many different policies available including cancel for any reason polices. Remember insurance costs are non-refundable once purchased.
Whether you choose to purchase travel insurance is entirely up to you. However, before you write it off as a waste it’s a good idea to take a closer look at what it really has to offer. It is a lot more than protection against lost luggage and missed flights. It can cover the full spectrum of travel-related emergencies and, depending on your trip and your individual circumstances, it could be a worthwhile investment.
Travel insurance typically includes two pieces. The first is your standard trip protection. This covers trip cancellation, interruptions, or delays due to unforeseen events as well as any lost, stolen, or damaged baggage. This is what most people are thinking of when they think of travel insurance. Although it may not seem necessary to some, especially those who have credit cards or homeowners insurance with travel-related benefits, travel insurance does offer some added benefits you won’t be able to find elsewhere.
The other part of travel insurance is travel medical insurance. This covers any medical or dental treatment you need while you’re traveling. It also may include medical evacuation coverage, which pays for the costs of transporting you to a hospital or back home for treatment if you become seriously ill or injured on your trip. Depending on what type of health insurance you have, you may not need this type of coverage, but if you’re traveling outside of your health insurance network or out of the country, having medical travel insurance could be a smart move.
You should also think about what type of trip you’re taking and how much money you have invested in it when determining whether or not to purchase travel insurance. If you’re going across the country and staying with relatives for a week, you probably don’t need it as much as someone going out of the country for a week or two or someone who has a great deal of money tied up in non-refundable tickets and reservations.
There’s also peace of mind to think about. Would you feel better if you knew you were protected against any unforeseen travel emergencies that may arise? Consider your personal circumstances. Do you have elderly parents or young children at home that may require you to quickly return home, a pre-existing medical condition that may suddenly take a turn, etc. If so, it may be worth it to spend a few extra dollars on a travel policy.
If you are purchasing travel protection, it must be purchased at time of final payment and will be processed at that time. Travel protection premiums are non-refundable.
For more information and/or to sign up for insurance, contact one of our travel consultant at 1-800-669-1309.