Protect Your Travel Investment and Your Health With Travel Insurance

Travel insurance provides financial protection and peace of mind for travelers. It can help cover unexpected expenses from trip cancellations or delays, medical emergencies, lost or stolen luggage, and more.

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Every insurer and plan is different. For any policy you are considering, it is essential to read the full plan document to understand what is covered, the costs and coverage limits, and the full terms and conditions of the policy.

 

TRIP CANCELLATION & COVERED REASONS FOR CANCELLATION

Travel insurance plans have covered reasons for cancellation. To file a claim under trip cancelation your reason for cancellation must be listed as a covered reason in the plan document. Some insurers offer an optional add-on known as cancel for any reason coverage (CFAR).

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CFAR coverage allows you to cancel a trip for any reason and receive partial reimbursement for your non-refundable trip costs. CFAR coverage is more expensive than standard travel insurance policies, and reimbursement is usually between 50% and 75% of your non-refundable trip costs.

 

MEDICAL EMERGENCIES WHILE TRAVELING

Most U.S.-based health care plans do not offer coverage for medical treatment outside of the United States. Check with your health insurance provider to confirm if you are covered for medical expenses while traveling abroad.

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Travel insurance can cover costs associated with obtaining emergency medical care if you become ill or are injured while traveling. Most plans cover medical transport to the nearest medical care facility and back to the U.S. once you are well enough to travel. Most plans also include coverage for the repatriation of remains.

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Some destinations and travel suppliers require proof of travel insurance. Some plans offer optional add-on coverage to increase the limits for bedrest to cover the cost of additional meals, lodging, and travel associated with quarantine.

LOST OR STOLEN LUGGAGE

Delayed and lost luggage coverage can reimburse you for the cost of purchasing items you need until your luggage arrives or replacing items if your luggage is lost or stolen.

TRAVEL DELAY / MISSED CONNECTIONS

Travel delays beyond your control that result in a missed flight connection or a missed cruise or tour departure can be costly. Travel insurance can reimburse you for missed connections or departures for a covered reason. Insurance may also cover the cost of catching up to a tour or cruise that has departed.

THINGS TO CONSIDER WHEN LOOKING FOR TRAVEL INSURANCE

• Carefully review the plan document for the covered reasons for trip cancellation and interruption. You may be required to provide documentation supporting your reason for canceling.

• Only insure non-refundable trip costs. Insurers will not reimburse refundable trip costs. Refund requests must be sent directly to the travel supplier.

• Make sure to insure ALL non-refundable trip costs. You must promptly add any new non-refundable trip costs purchased after the initial insurance purchase to include them in the coverage.

• Look for plans that offer Primary Medical coverage. Plans with Secondary medical coverage will only reimburse the remainder of medical care costs after any primary medical plans have paid their portion.

• Purchase your travel insurance promptly after your first trip payment. Some plans offer waivers for pre-existing medical conditions only if purchased within a strict timeframe (usually within 10-21 days of your first payment toward your trip).

• Several insurers offer CFAR (cancel for any reason) and IFAR (interrupt for any reason) as optional upgrades. CFAR/IFAR policies must be purchased within a specific timeframe. CFAR/IFAR usually only reimburses 50%-70% of non-refundable trip costs, not 100%. Check your plan document to verify.

• If your trip costs are all refundable, you may wish to consider a policy for medical-only coverage. Some plans offer optional bedrest/quarantine coverage for COVID-19.

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Have questions? Reach out, and we can discuss the options and compare plans and costs.

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