Travel Insurance Simplified
Travel insurance provides financial protection for unexpected travel expenses.
Almost everyone knows someone who’s had a delayed flight, lost or stolen baggage, a tour bus accident, a medical emergency that required them to be medically evacuated, or last-minute trip cancellation. It happens more often than we like to think about. And some of these emergencies can be financially catastrophic if you don’t have the right type of travel insurance coverage!
“The travel company that I booked my trip to Europe through offered me a travel insurance package. Should I buy it through them or through a travel agent?”
Most travel agencies and tour operators will offer a travel insurance package. The price is often a flat 10% of whatever the cost of your trip is. These policies generally have significant limitations and restrictions! They may not protect what is most important to you.
We work closely with the travel insurance experts at Travel Insurance Center to offer you carefully selected travel insurance plans from leading insurance providers that will fit your specific travel protection needs.
Get a quote and buy a travel insurance plan.
It’s fast and easy!
♥ QUOTING TOOL: Click here to calculate your cost for travel insurance and view a comprehensive listing of travel insurance plans.
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There are several different types of plans to choose from, including:
• Trip Protection Insurance
Trip protection is a combination of benefits which may include coverage for trip cancellation, trip interruption, travel delays, emergency medical, emergency medical evacuation, baggage protection, baggage delay and 24-hour emergency assistance services designed to give you peace of mind when you travel.
• Travel Medical/International Medical Insurance
Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country. Maximum coverage levels can be substantial enough (up to $8 million) to cover major medical expenses such as emergency surgery and extended hospital stays. Plans usually include coverage for emergency medical evacuation, reunion, repatriation of remains, accidental death and dismemberment (AD&D), and various other 24/7 travel assistance services.
• Emergency Medical Evacuation
Depending on the plan, emergency medical evacuation covers the cost of transporting a seriously injured or ill person to the nearest adequate medical facility, a hospital near home, or the hospital of his/her choice.
• Accidental Death & Dismemberment Insurance
Flight accident insurance, common carrier accident insurance, and/or 24-hour accidental death insurance pays you or your beneficiary a lump sum benefit (for example, $1 million) when an accident results in your death, the loss of a limb or the loss of your eyesight.
• Global Risk Insurance
These plans specifically cover high-risk situations such as business travel to high-risk or war-risk countries. Coverages available include travel medical insurance, emergency medical evacuation, and accidental death and dismemberment insurance with no exclusions for incidents involving acts of war or terrorism. This category is also where you’ll find kidnap and ransom insurance, Defense Base Act insurance, and high-limit accidental death and dismemberment.
• Annual Multi-Trip Insurance
Designed for year-round peace of mind for people who love to travel, annual multi-trip travel insurance plans provide coverage for all of your trips throughout the year, subject to a maximum trip length of 30 to 180 days per trip depending on the plan selected.
• Group Insurance
Group Travel Insurance protection plans are designed to cover groups of people traveling on the same trip itinerary. Group protection coverage may be purchased for just medical and/or medical evacuation coverage. Comprehensive group protection plans include trip cancellation, travel interruption and delay, emergency medical, emergency medical evacuation, lost or delayed baggage and more. If your group consists of 10 or more traveling to the same destination, purchasing a group travel insurance plan may be your most economical choice. Premiums vary according to the trip cost per person, and many group plans are not age banded, making the premiums even more attractive — especially for our senior groups.
Does your health insurance or Medicare plan cover you onboard a cruise?
(Are you sure?)
Click HERE to read our blog post about this important topic.
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