TRIP AND TRAVEL INSURANCE
Sh*t Happens
We all know that, but still we seem to be surprised when it happens to us. That’s why we strongly encourage you to get trip protection insurance to protect your investment in the cost of the trip if you have to cancel.
We also REQUIRE all international travelers to have travel insurance.
Trip protection insurance and travel insurance are two different concepts. Both are important, especially at our age. Sometimes our bodies rebel and we have to cry uncle. Or sometimes a loved one–a spouse, a parent–requires care. Several travelers have had to cancel trips; one woman was on the way out the door to the airport when she sprained her ankle seriously. These examples are times when trip protection comes into play.
Others have gotten COVID during a trip and had to leave the trip. This is when travel insurance comes into play.
It breaks our hearts, but once we enter the non-refundable phase of a trip, we CANNOT give money back. We’ve already paid hotels and vendors. So make like a girl scout and be prepared!
What is Trip Protection Insurance?
Trip insurance protects you if there is a cancellation or interruption of a trip or a vacation package. (It also covers you if there is a delay in your arrival to your trip destination or a return to home or if there’s a loss of baggage or personal effects.)
Please discuss terms with your insurance representative.
What is Travel Insurance?
Travel insurance covers you for medical or health issues WHILE you’re on a trip. That means if you get sick or have an accident (God forbid), your medical costs are covered. Usually your return transportation home is as well. It doesn’t necessarily refund you for days you missed on the trip, but it makes sure you’re taken care of medically while you’re away from home.
When Should I Buy Insurance?
The sooner you purchase a trip protection or travel insurance plan, the more it can cover! We recommend purchasing within 14 days of making your initial trip payment of any kind, and prior to making your final pre-trip payment. Please ensure that all the activities you plan on participating in are covered by your travel insurance.
When you purchase it within 14 days of booking (and before your final payment) you can get better coverage
Can You Help Me Buy Insurance?
These plans provides insurance coverage that only applies during the covered
trip. You may have coverage from other sources that provides you with similar
benefits but may be subject to different restrictions depending upon your other coverages.
You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies.
If you have any questions about your current coverage, call your insurer or
insurance agent or broker.
And Keep in Mind…
Since we are not licensed insurance agents or brokers, we are not allowed to:
*Answer technical questions about the benefits, exclusions, and conditions of any of the insurance offered by the travel retailer.
*Evaluate the adequacy of the prospective insured’s existing insurance coverage.
Talk to a licensed agent for all the details.
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