Travel Insurance...Take-Off With No Worries!

Your trip is planned and you can almost feel your feet sinking into the white sand beach; or the cool rush of the mountain as your skis blaze down the face; or the ship docking in port on the Mediterranean. Whatever your destination or travel agenda may be, the last thing you want to think about is the probability or the possibility that something might inhibit your travel plans.

Most likely everything will go as planned. Perhaps there will be a small flight delay, a touch of altitude sickness, a junky hotel room. These common travel bumps are tiny scars on our adventurous skins that we glance at with laughter and nostalgia. But, now more than ever, it is the larger events – some unforeseen and many easily predictable – that leave much more than a memory scar, that are responsible for cancellations and interruptions, baggage loss or theft for many of today’s travelers. Often times these mishaps lead to thousands of dollars spent on trips that were only partially enjoyed or not enjoyed at all.

Enter Travel Insurance! A ten minute discussion with a professional and knowledgeable Travel Insurance Agent is a nice place to start. You will often find that for 10%-15%of the cost of your trip you can insure you travels against trip cancellation and trip interruption (due to illness to you, a travel companion, or an immediate family member not traveling with you). These policies can also guard against travel delays, baggage loss, delay, or theft and most importantly, Emergency Medical Services and Evacuation.

Most importantly, make sure to know the rules that the insurance carrier of your choice has towards covering pre-existing conditions. In order to have pre-existing conditions covered, some companies require you to purchase your travel insurance anytime before making the majority payment for your trip. Other companies require you to buy travel insurance within 15 days of your initial trip deposit date.

There are many travel insurance carriers and even more plan options to choose from. I have found that two of the most reliable travel insurance carriers are HTH Worldwide and AIG Travel Guard Insurance. These two companies provide an menu of plan options to fit your needs and your travels. They also have competitive rates and thorough and helpful customer service and claims teams.

Working with a travel insurance agent who has a good relationship with carriers and their claims teams will ensure you the best possible service and to keep the investment of your trip well protected. Your agent should be available to you throughout the purchasing process, throughout your travels, and to guide you through a claim should you need to submit one. Your agent should also supply you with the knowledge for the proper protocol to access doctors and you insurance carrier while you are out of the country.

Wouldn’t you like to travel without the financial worry should something cause your trip to be canceled or interrupted, or if you need immediate medical attention while traveling abroad? Chances are you probably won’t have to use it. The peace of mind that you are well protected can allow you to take-off, land, explore, and relax with a smile and a sense of freedom.

Stay tuned to this blog for more tips on purchasing Travel Insurance…


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