Travel insurance is so important, especially when traveling to far away destinations. Even the most seasoned travelers sometimes feel confused about travel insurance — what’s out there, what it covers, whether or not they need it. While coverage and policies vary from state to state, here are some basics of travel insurance information to get you started:
Travel insurance should cover these basic 4 things:
Trip cancellation and interruption (full or partial reimbursement for a trip you need to cancel prior to departure, a trip that gets cancelled because a tour company or resort goes out of business, or a trip that gets cut short for a wide variety of reasons.
Medical (for health issues that occur outside of your normal coverage area)
Evacuation (due to disaster, dangerous weather, political emergency, or medical emergency)
Baggage (reimbursement for lost, stolen, or damaged baggage)
Most travel insurance policies will cover a lot more than these four things.
Just because you have health insurance at home does not mean that it will cover you on your trip.
You need to check the ins and outs of your particular health insurance policy. It may cover you while you travel, but many do not. In fact, some insurance policies don’t even cover health emergencies experienced on foreign-flagged vessels — which is what most cruise ships are.
Weigh the cost of the trip with the cost of insurance.
If you’re headed out on a once-in-a-lifetime trip that you’ve been saving for for months, travel insurance is likely a great idea.
If you’re looking to maximize your fun and minimize your risk, travel insurance might be just the right option for you. Take your time, ask tons of questions, and find what works best for you and your family.
Why Use An Agent To Purchase Travel Insurance?
A travel agent, such as The Splendid Traveler, can help identify an insurance policy that fits your needs and travels.
Have questions about insurance – or any other travel-related topic? Get in touch, and we can discuss the options!