5 Reasons to Buy Travel Insurance
Can you afford to miss your trip and lose your vacation investment if something goes wrong due to illness, weather, or unforeseen circumstances?
Does your medical insurance cover you whenever and wherever you travel?
Would you know what to do in an emergency overseas?
We always recommend you protect your travel investment with insurance, especially in today's unpredictable times. I firmly believe in being prepared rather than being caught off guard, as your vacation is an investment of both your time and money. Below are 5 reasons to consider purchasing travel insurance for your next trip! Primary coverage can include trip cancellation, trip interruption, travel delays, baggage loss or damage, baggage delay, and emergency medical and dental expenses.
#1 - Your medical insurance may not work overseas
Your traditional U.S. based insurance may not work abroad. We recommend reviewing the insurance protection that you do have (credit cards, health plans, etc.) and then evaluating where there could be gaps. Travel insurance was designed for the unexpected, especially when it comes to things that might happen while you’re abroad.
#2 - Your credit card coverage may not be enough
It's important to note that relying solely on your credit card's "Travel and Emergency service" may not offer comprehensive protection. I strongly recommend carefully reviewing the fine print on your credit card, while it may provide assistance with aspects like contacting doctors, arranging transportation home, or handling luggage, it may not cover many other potential expenses. Your peace of mind during your travels is our priority, and we're here to ensure you have the protection you need.
#3 - Medical/emergency evacuations can be costly
Imagine being airlifted after breaking a leg hiking through the mountains of Rwanda or being flown home after an extended hospital stay recovering from a heart attack. If a medical issue arises that creates a need to seek emergency assistance back to the U.S., your travel insurance may provide coverage to get you home quickly. If you are traveling somewhere more remote or where a major hospital might not be available, your policy may cover expenses to have you evacuated by helicopter or ambulance to the closest hospital, in addition to your treatment costs.
#4 - Missing luggage can ruin a trip
Did you know that some policies can actually provide you with funds to replace lost luggage? This benefit can save you from spending a bundle on replacing a wardrobe that is stuck in circulation by the airlines. It also typically covers costs to purchase things like clothing or toiletries if your baggage is delayed, to tide you over until your bags catch up to you.
#5 - Help is just a phone call away
One of the biggest benefits of travel insurance is having another ally in your corner. When life happens (and it does), travel insurance companies can help solve complex problems in a pinch. Our partners provide you with emergency contact numbers while you are traveling. If something unexpected comes up like a flight cancellation or medical situation, your insurance provider can help provide you with guidance on what decisions to make, what will be covered under your policy, and give you next steps.
