Travel News

Trip Insurance… Yes/No?

There’s nothing as wonderful or as relaxing as the experience of the perfect vacation; traveling to foreign or familiar destinations to relax, unwind, or enjoy the thrill of new sights and adventures. Unfortunately, sometimes travel disruptions do occur, unexpectedly and never anticipated. Events like the weather or natural disasters are not the only ones that can negatively affect our travel experiences, so it’s a good idea to be mindful of this when making travel plans.

One very important option we should always consider when planning travel is the purchase of travel insurance. What exactly is travel insurance? It’s a security or guarantee intended to cover financial or other kinds of loss that can happen anywhere; at home or abroad. In simpler words, travel insurance can take care of you where you are, anywhere in the world, in any kind of crisis.

You can find polices designed for almost any type of trip you may be planning, such as a single trip for hunting, backpacking, cruises, house rentals, and a host of others. The specific types and amounts of coverage you get, however, depend on the specifics of the policy you choose. It’s important to remember that you will only be covered for what is stated in your policy and for nothing else.

You can choose the insurance you need depending on the kind of trip and the duration of your stay. Coverage’s can include bad weather, sudden illness or death, or even airline or cruise company bankruptcy prior to departure. There are also travel health policies that cover medical emergencies. These can be advantageous to individuals suffering from chronic illness that may need medical attention at any point during the trip. This type of policy takes care of doctor visits, evacuation out of the country and medication.

Most policies cover trip cancellation, lost baggage, medical, dental, and accidental death coverage. Other policies include emergency evacuation, 24 hour travel assistance, and trip or baggage delay. You may even find policies that include options for collision or damage to rented cars, or for business conflicts. There are many other options that can be covered, so make sure you ask your Traveloni Representative about these.

Premiums for the travel insurance policies are generally 5% to 7% of the cost of your trip, but will vary depending on passengers’ ages and medical history. Many companies offer policies that will include coverage for children at no extra charge.

Vacations are about relaxing, having fun, leaving all tensions behind. For the peace of mind to fully enjoy your travel experience, travel insurance is a must.

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Lynn Farrell