There’s really no better way to protect your vacation investment than by purchasing travel protection.
With the possibility of cancellations, flight delays, lost luggage or passports, medical emergencies and any other unexpected incident, travel insurance can provide the reassurance and peace of mind that you need. Travel protection, also known as Travel insurance or Trip insurance, can minimize the considerable financial risks of traveling: accidents, illness, missed flights, canceled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, and getting your body home if you die. Each traveler’s potential loss varies, depending on how much of your trip is prepaid, the refund-ability of the air ticket you purchased, your state of health, the value of your luggage, where you’re traveling, the financial health of your tour company and airline, and what coverage you already have (through your medical insurance, homeowners or renters insurance, and/or credit card).
For some travelers, insurance is a good deal; for others, it’s not. What are the chances you’ll need it? How willing are you to take risks? How much is peace of mind worth to you? Take these considerations into account, understand your options, and make an informed decision for your trip. We highly advise all travelers to consider purchasing travel insurance.
Many of the suppliers that we book through will offer their own travel protection, which is worked into the cost of your package. For all other insurance needs, we prefer working exclusively with:
Even the best-planned trips sometimes have to be canceled. But many travel providers — especially tour operators, cruise lines and airlines — offer minimal or no refunds for last-minute cancellations. If this happens, can you afford to lose all the money you’ve spent on your trip?
One of the best reasons to buy travel insurance is to have the protection of trip cancellation benefits. These can reimburse you for prepaid, nonrefundable trip costs when you must cancel for a covered reason. When you get your money back, you can book your vacation for another, brighter day
Allianz receives more than 4,000 calls each year from American Allianz Global Assistance customers who are experiencing a medical crisis during their trip, such as trauma, broken bones, heart attacks, and strokes.
If you get seriously sick or hurt in another country, don’t expect your health insurance card to help. “Foreign medical facilities and providers require cash payment up-front and do not accept U.S. insurance plans. Medicare does not provide coverage outside of the United States,” the U.S. State Department warns. When you have travel insurance with emergency medical and dental benefits, it can pay for losses due to covered medical and dental emergencies that occur during your trip.
If you get seriously sick or badly hurt while traveling overseas, and you need to be taken via helicopter to the nearest high-quality hospital, the cost can be enormous. In some parts of the world, a medical evacuation can potentially cost six figures — and that doesn’t even include the cost of getting you home again.
Travel insurance with emergency medical transportation benefits can pay for you to be transported to the nearest appropriate facility if you suffer a covered illness or injury during your trip and our medical assistance team determines that the local medical facilities are unable to provide appropriate treatment. It can also pay for specialized transportation to bring you home, once your condition is stable.
In 2017, out of nearly 1.1 million domestic flights, nearly 18 percent were delayed and 2.4 percent were canceled. That’s why you need travel insurance with travel delay benefits, which can reimburse you for additional accommodation, meals or travel expenses and lost prepaid expenses due to a covered departure delay. You’ll be much happier if you have insurance that can reimburse you for your airport lunch or unexpected extra night in the hotel.
In 2016, the world’s airlines mishandled 21.6 million bags — meaning they were lost or temporarily misplaced. The good news is that airlines are getting better at keeping track of baggage, even as passenger numbers increase. The bad news is that some bags — around 7 percent — are never reunited with their owners.
When your suitcase goes AWOL, travel insurance can save the day. Baggage delay benefits can reimburse you for the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 24 hours or more. Baggage loss/damage benefits can reimburse you for the actual price, actual cash value, repair or replacement of your lost/damaged items — whichever is less — based on the limits in your insurance policy’s letter of confirmation.
One of the best reasons to buy travel insurance is the peace of mind you get from knowing help’s just a phone call away. When you face a crisis while traveling — a medical emergency, a lost passport, a stolen wallet, a natural disaster, etc. — you can always contact the 24-hour insurance provider's hotline.
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