We, as travel agents, are regularly asked if a client needs travel insurance, the short answer is yes. Travel insurance protects you financially in case your trip is cancelled or interrupted, it can also reimburse you for lost/stolen luggage, missed or delayed flights, evacuation in case of an emergency, and some include medical emergencies and legal assistance (including getting a new passport). Not every insurance plan is created equal but you can pick the best for you and even get supplemental policies. If your biggest concern is if you have to cancel a trip and getting your money back then you can focus on just a trip cancellation and interruption policy. If you want the best peace of mind I would suggest a “comprehensive insurance” plan, which includes everything-cancellation, interruption, medical, baggage, flight, and so on. The price for insurance can vary per company but usually is a small percentage of the trip cost and depending on your plan age can be a factor. When you use us, a travel agency, we have an understanding of insurance coverage and can walk you through purchasing it and if you need to call in a claim. But feel free to contact an actual travel insurance agent to get a full picture and decide what your needs are.
We at Travel Pros use Allianz Travel Insurance, we find that it has the best “peace of mind” plans and they have a 24 hour travel assistance hotline for whenever you need them. Allianz covers delays, bad weather, lost luggage, medical emergencies, missed connections, and rental car damage. They can also help replace lost/stolen passports, refer legal assistance, and supply emergency cash.
It is important to understand your policy. Most policies generally do not cover pre-existing medical conditions, which includes up to 120 days prior to purchase of the travel insurance policy. Now, some policies do cover pre-existing conditions, or you can purchase a supplemental policy, as long as you are fit to travel on date of purchase and the policy is purchases within 14 days of deposit or purchase of your trip. Confusing I know, this is why it is important to really understand what you are purchasing, and we are here to help you in that. “A standard trip-cancellation or interruption insurance policy covers the nonrefundable financial penalties or losses you incur when you cancel a prepaid tour or flight for an acceptable reason, such as:
In conclusion, we believe travel insurance is an important thing to purchase; we’ve seen many people have to place a claim and they are glad they spent the extra cash to protect themselves (instead of losing thousands because they had to cancel they only lost the cost of the insurance itself).
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