Imagine: you’ve been planning and saving for a family trip to Disneyland for years. You’ve purchased nonrefundable plane tickets, prepaid for the hotel room, and placed all the required deposits – you’re already thousands of dollars in. Two days before you’re supposed to leave, the flu strikes your household.
What do you do?
Well, if you have travel insurance, you don’t have to worry. You’ll be fully reimbursed for all expenses, even the nonrefundable ones, and save the money to plan another (hopefully healthy) trip in the near future. If you don’t have travel insurance…well, you’re out of luck, and thousands of dollars.
While travel can certainly be expensive, it doesn’t have to be risky. Travel insurance gives you peace of mind all along the way, from booking to boarding and beyond, until you arrive home with another adventure under your belt.
What Travel Insurance Covers
- Trip Cancellation/Interruption/Delay: If you have to cancel your trip before it begins, you’ll be reimbursed for prepaid expenses like flights and hotel rooms. Likewise, if you have to cut your trip short for a covered reason, trip interruption can take care of your last-minute flight home as well as any money lost on prepaid portions of your unfinished itinerary. Trip delay covers any unforeseen expenses that arise from a travel delay over six hours – an extra meal at the airport, hotel accommodations, or even the cost to catch up with your cruise ship at its next port of call.
- Medical Expenses: Health insurance is an invaluable resource, but when you’re outside of the country, it’s unlikely that you’ll have any coverage through your existing carrier. Medical expense coverage takes care of you in the event of an accident or emergency abroad.
- Emergency Evacuation: That remote hike sounds great until you fall and need to be airlifted to a hospital miles away, or put on a medically-staffed flight home. Emergency evacuation coverage takes care of the transportation aspect of accidents while you’re traveling.
- Baggage Loss/Delay: Anyone who’s traveled has either heard a horror story about lost baggage, or experienced it first-hand. Lost or delayed luggage can put a huge damper on your trip. Delayed baggage coverage pays for any essentials you need to replace until your bags arrive – like toiletries or a swimsuit – and lost baggage coverage reimburses you in the event that your luggage is flat-out lost, stolen, or damaged.
- 24/7 Travel Assistance Services: Wouldn’t it be great to have a “lifeline” to call when something goes wrong on your trip, especially when you’re in a country where the language has you feeling lost? That’s where this service comes in. Whether you need help finding the nearest hospital, sorting out a lost passport, or finding transportation home, travel insurance companies provide round-the-clock support so you can travel with confidence.
Selecting a Policy
Like any other insurance policy, you have a say in which types of coverage to elect and which to forego. You can also choose between a vacation plan and an annual plan. A vacation plan (or “package”) provides tailored coverage for a particular trip, while an annual plan provides lower-cost coverage year-round for those who travel frequently. Look at companies like Allianz Travel Insurance and Chubb to see what combinations of coverage are available.
There’s a lot to consider, but that’s why we’re here. Give Safe Harbor Insurance a call at (360) 378-2949 or stop by our office to discuss the range of options available to you.