Global Courant
When you go on vacation there are so many things to remember and consider, but one thing hardly anyone considers is travel insurance. No matter how good you are at planning a vacation, unexpected things can happen, and that’s where travel insurance comes in. It can compensate you for unforeseen emergencies. Depending on the length of stay and the type of trip, there are different types of travel insurance that you can choose from.
• Trip Cancellation/Interruption Coverage – these policies cover vacation cancellations due to sudden illness or death, weather conditions, emergency military service, jury duty, prior to cruise line departure or airline bankruptcy. Many also have terrorism insurance that will cover your expenses in the event the U.S. State Department issues a travel warning. This warning will advise people not to travel within a certain country for a certain period of time.
• Medical emergencies – this is useful if you plan to travel to underdeveloped countries. It also covers persons with a chronic illness who may require medical attention at any point during their trip. The policy will reimburse you for the cost of medicines, doctor visits and may sometimes cover medical evacuation from the country. Be sure to check with your insurance company about the details, as travel insurance policies vary.
• Non-refundable tickets – you may also be able to purchase travel insurance that will cover this in case your trip has to be canceled for many different reasons. There are some plans that even cover missed connections. This can be a lifesaver if there is a flight delay, confusing or overcrowded airport terminal.
• Comprehensive insurance package – this is a package for frequent travelers or longer trips. This package offers a variety of coverages and is the best value. Some of these packages allow you to choose the type of coverage you want to include.
• Cruise Ships – this could include when a cruise is delayed and the traveler needs to change their hotel reservations or the trip is cut short and you need to arrange a trip home at the last minute.
Other expenses or situations may also be covered, such as:
• Must be airlifted to a medical facility
• Cost of medical procedures if your health insurance is not recognized in the jurisdiction
• Problems with hotel bookings
• Pay for a hotel if your flight is delayed
• Replacement of essential items in case of delay or loss of baggage
• Errors in flight arrangements if the traveler is not at fault
• Urgent legal assistance
• Transportation if you need to go home due to an emergency or death of close relatives
Travel insurance – what it might cover
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