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      January 20, 2019

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What to Look For in a Travel Insurance Policy

 

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What to Look For in a Travel Insurance Policy

When making reservations and bookings for your vacation, consider making one more purchase to protect your financial investment: consider purchasing travel insurance. Travel insurance policies come with a variety of options. Make sure you get the policy to cover your needs and your situation.

Health insurance options: If you’ll be travelling outside the U.S., you may want to research purchasing travel insurance that will cover medical costs. Most traditional health insurance plans do not cover medical expenses incurred in foreign countries. Travel insurance with a medical coverage policy can help cover your costs, including those associated with transporting you back to the U.S. If you need special transportation, some of these policies will also cover a medical staff escort.

Trip cancellation and interruption: This is basic coverage. You should consider purchasing this insurance anytime the cost of travel exceeds the cost of the insurance. This insurance will reimburse your costs if you are unable to take your vacation due to illness, injury or other reasons specifically covered by the policy.

Trip cancellation coverage not only reimburses you if you have to cancel, it also reimburses you if your travel provider has to cancel your vacation. This plan will cover you if the travel provider, resort or cruise line goes out of business before your trip occurs but after you’ve paid for it. All your costs will be reimbursed. Another example is if you’re travelling to the beach and your resort is in the path of a hurricane or has been damaged by a hurricane, you can cancel your nonrefundable vacation plan and be reimbursed. This insurance has to be purchased 24 hours before the hurricane has been named.

Interruption or delay coverage can offer you protection in the event of unforeseen travel delays that affect your travel. For example, if you are delayed in reaching your resort, hotel or cruise ship due to airplane flights that have been late or cancelled due to weather, interruption or delay coverage will protect you from losing any money you’ve paid and help you cover additional costs associated with your travel such as additional nights in a hotel or additional flight costs.

Don’t purchase this type of insurance from your travel provider. That means, if you’re going on a cruise, don’t purchase this from the cruise line company because if the cruise line goes out of business, there’s a good chance their insurance will also.

Instead, go online and carefully research different plans and insurance providers. There are a few reliable online sites which compare plans, options and price points for you. A little research will help you learn what to look for in travel insurance.

Thailand likely to make travel insurance compulsory for all foreign arrivals

Thailand's tourism officials are looking at introducing compulsory travel insurance for international visitors in the near future, especially as a recent spate of accidents involving tourists have cas...

Published:  Thu, 17 Jan 2019 19:28:00 GMT



Travel insurance - the globetrotters' amulet

Passports and travel insurance are critical documents for people who travel regularly. In order to ensure one's safety and to enjoy a smooth journey, most travel agencies recommend that tourists shoul...

Published:  Wed, 16 Jan 2019 22:13:00 GMT



What your travel insurance probably doesn't cover

When I was bitten by a monkey in Bali as a 20-year-old, my first thought was: "˜F-k, my mum specifically told me to stay away from animals. My second thought was: "˜Do I even have travel ...

Published:  Mon, 14 Jan 2019 09:04:00 GMT



Company Launches Travel Insurance Specifically Designed for Cruises

Berkshire Hathaway Travel Protection (BHTP) has launched a new travel insurance product that is specifically designed for cruises and the needs of cruise travelers. Called WaveCare, this is a ...

Published:  Mon, 14 Jan 2019 10:51:00 GMT



Berkshire Hathaway Debuts Cruise Travel Insurance Called WaveCare

A lot of travelers are still opting against travel insurance, despite most of them experiencing a flight delay. Photo: Shutterstock.com. Berkshire Hathaway is now offering a brand new product for crui...

Published:  Tue, 15 Jan 2019 06:52:00 GMT



Acko partners Goibibo for travel insurance foray

Acko General Insurance, a new-age online insurance provider, has entered into a strategic tie-up with Goibibo, a leading online B2C travel aggregator, to offer customised travel insurance for the latt...

Published:  Wed, 16 Jan 2019 08:04:00 GMT



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