Why Do I Need Travel Insurance?
Traveling creates memories of a lifetime, and can also mean encountering the unexpected; ranging from an inconvenient flight delay to a cancellation for sickness, or a truly serious medical emergency. In today’s travel environment it’s increasingly important to protect yourself and your travel investment.
To increase your sense of security before and during your trip, it's important to purchase a travel insurance plan. Medical insurance policies may not protect your travels abroad and often have out-of-network deductibles. Likewise, coverage through credit cards and travel suppliers may have shortfalls and not fully protect you in travel situations like the above.
Not sure you need travel insurance? Review the information below and discover how travel insurance can help you along the way.
Encountering the unexpected is often a part of travel; ranging from the inconvenient to a truly serious emergency. Travel insurance offers competitive travel protection plans coupled with 24-hour travel assistance & concierge services* to meet the challenges of today's travel and help you relax and enjoy your trip.
Consider these reasons to purchase a plan before departing, for a greater sense of security on your journey.
Offers Some Peace of Mind
Whether you lose your job, a hurricane blows through your destination, or your travel supplier declares bankruptcy, the broad range of plan benefits help get you back on track and find some peace of mind your trip deserves.
Credit Card Shortfalls
Chances are your credit card may not protect you in cases of travel delay, trip cancellation or emergency medical coverage overseas. These plans tend to have highly limited benefits - always do your research to ensure you're fully protected.
You work hard for the money and time invested in planning your vacation. Unfortunately even the most careful preparation doesn't avoid life's surprises if you need to cancel or interrupt your trip due to a covered reason. Purchasing a travel protection plan will help make sure you don't walk away empty-handed.
Ensure you're covered if you see a doctor for a medical emergency while traveling. Your personal medical healthcare policy may offer limited coverage or none at all, once you travel outside the United States. Also, the plan may lower benefits or have deductibles when using an out-of-network doctor. Travel insurance plans often provide First Payer Coverage with no deductible for easy claims handling, less time and hassle to receive reimbursement for eligible losses from us first. Funds may be recovered from your medical or other collectible insurance plans.
Your health and safety is a concern of ours. If an emergency medical evacuation becomes necessary, you can be transported to the nearest suitable hospital to receive treatment. Additional benefits include transportation of a visitor of your choice to stay with you or to transport any traveling children back home, should you become hospitalized.
A trip to the beach isn't much fun without a bathing suit. If your luggage is delayed or lost, travel insurance plans go above and beyond - not only refunding you for items lost, stolen or damaged, but reimbursing you for necessary items you need to buy to continue having fun on your trip until your baggage is returned.
Travel Assistance & Concierge Services*
Don't overlook this valuable component of each and every one of our insurance plans. Available 24/7, call the toll-free number prior to departing for assistance or advice on planning your trip – from booking concert tickets to making dinner reservations or a tee time for golf. While traveling, one toll-free call gives you access to a variety of travel services such as medical emergency assistance and lost baggage retrieval.