We don’t require it (except on occasional trips), but, dang, it’s a smart idea to protect your investment.
We all know that, but still we seem to be surprised when it happens to us. That’s why we strongly encourage everyone to get trip protection insurance. 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 sprang her ankle seriously. Others have gotten COVID or had a death in the family. 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 boy scout and be prepared!
What’s the Definition of Travel Insurance?
Travel insurance is the coverage for personal risks incidental to, and related to
planned travel, including one or more of the following…
- Cancellation or interruption of a trip or a vacation package
- Accident, sickness, disability, or death occurring during travel
- Delay of an arrival to your trip destination or a return to home
- Loss of baggage/personal effects
- Damage to accommodations or rental vehicles
What is not included in the definition of travel insurance?
The following are excluded from the definition of travel insurance..
- Major medical plans that provide comprehensive medical protection for
travelers on trips that last six (6) months or longer (ie working abroad,
deployed military personnel, missions and volunteering abroad, and more)
- Damage waiver contracts, as defined in paragraph (5) of subdivision (a) of
Section 1936 of the Civil Code. The phrase “damage waiver” or “collision
damage waiver” cannot be used to describe travel insurance coverage, but
the insurance contract may otherwise refer to “damage waiver” or “collision
damage waiver” provided by a company, as defined in paragraph (1) of
subdivision (a) of Section 1936 of the Civil Code.
When Should I Buy Travel Insurance?
The sooner you purchase a trip protection style plan, the more it can cover! We recommend purchasing a trip protection style plan within 21 days of making your initial trip payment of any kind for this trip, 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 21 days of booking (and before your final payment) you can get better coverage
Can You Help Me Buy Travel Insurance?
NextTribe is an affiliate of Allianz, a leader in travel insurance, and you can get a quote from them by clicking on the name below. They offer one-time policies and annual policies to cover all of your trips in a single year.
We are also an affiliate of Wanderwell, a certified B corp and a member of the Transformational Travel Council.
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.
When selecting a travel insurance policy, please bear in mind that all travelers are strongly recommended to have medical coverage and that we recommend a minimum coverage of $150,000 USD for travel medical/accident & sickness, and $500,000 USD for emergency medical evacuation and repatriation. It can help for those benefits to be Primary coverage. We strongly recommend that the policy also includes benefits for trip cancellation, trip interruption, trip delay, and some coverage for baggage & personal effects.
But 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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