Travel insurance is like a superhero cape for your trip. It may not make you fly or turn invisible, but it can definitely come to the rescue in case of any unexpected travel emergencies. The main idea is that it helps protect you financially during your travels – covering a variety of things, such as medical emergencies, trip cancellations, lost or delayed luggage, and more.
For many, travel insurance is considered just another unnecessary expense. Do not spend thousands of dollars on a trip where you are not protected. Yes, even if you are young and healthy.
Get a quote on your insurance
*Terms, conditions and exclusions, including for pre-existing medical conditions, apply to all plans
Why Should You Purchase Travel Insurance?
Your medical insurance may not work overseas
Your traditional U.S. based insurance may not work abroad. We recommend reviewing the insurance protection that you do have (credit cards, health plans, etc.) and then evaluating where there could be gaps. Travel insurance was designed for the unexpected medical issue.
Situations like these are why travel insurance is necessary. When you have travel insurance with trip cancellation benefits, you can get reimbursement for prepaid, nonrefundable trip costs when you must cancel for a covered reason. Covered reasons can include situations like the covered serious illness or injury of the insured person, a travel companion, or a family member; the death of the insured traveler, traveling companion, or a family member; a natural disaster or other events that render your destination uninhabitable.
Medical/emergency evacuations can be costly
If a medical issue arises that creates a need to seek emergency assistance back in the U.S., your travel insurance may provide coverage to get you home quickly.
The cost of medical evacuation from popular tourist destinations to the US can vary greatly depending on several factors.
Medical evacuation estimates from:
Cancun, Mexico approximately $15,000 to $20,000.
Bangkok, Thailand approximately $25,000 to $40,000.
Paris, France approximately $40,000 to $60,000.
Please keep in mind that these are just estimates, and the actual cost of medical evacuation can vary depending on many factors.
Missing luggage can ruin a trip
Did you know that some policies can actually provide you with funds to replace lost luggage? This benefit can save you from spending a bundle on replacing a wardrobe that is stuck in circulation by the airlines.
Airlines have been known to take days (or even weeks) to acknowledge that a bag is lost. Additionally, airlines tend to veer away from paying the full amount of the claim by depreciating the costs of certain items. Consider buying a travel insurance plan that offers such coverage.
Help is just a phone call away
One of the biggest benefits to travel insurance is having another ally in your corner. When life happens (and it does), travel insurance companies can help solve complex problems in a pinch.
Peace of mind is Priceless
Whether you are planning a solo adventure or a grand, multi-generational getaway, the whole point is to relax and enjoy the journey. Travel insurance can ease your anxiety because you know you have protection in case of common travel mishaps. Not only that, but you know you’re never alone. No matter how far from home you go, help is a free hotline call away.
NOTE: All travelers are responsible for ensuring that their policy meets their personal needs. Our agency is not a licensed insurance broker, and cannot provide specific policy recommendations.
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