At ÐÓ°É´«Ã½ we understand that your vacation can take a year to save for, but only a second to ruin. It’s not a fun topic, but sometimes, life happens and it may force you to cancel or change a vacation. While you can’t do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment or unexpected expenses: buy travel insurance.
Travel insurance can provide you coverage for medical expenses, trip cancellation/interruption, baggage damage, delays, and much more. Most plans include 24-hour emergency service for emergency medical assistance, last-minute or emergency travel and flight changes, lost luggage tracking, pre-trip travel advice, and more.
Your ÐÓ°É´«Ã½ advisor can provide you with information about travel insurance, so you can select the coverage that best meets your travel needs. You can also obtain an
10 Reasons to Buy Travel Insurance
There are hundreds of circumstances that could cause you to cancel your trip, return home early or need assistance while traveling. Before you decide that you don’t need it, or that your credit card or home insurance will cover you, take a look at ten of the most common examples of what could go wrong:
- It’s 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
- Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
- Your first day in Europe, and your passport and wallet are stolen. Where do you turn for assistance in obtaining emergency cash, and how will you get your passport replaced?
- You’re involved in an accident and adequate medical treatment is not available. Who will help coordinate a medical evacuation?
- If your sister (who is not traveling with you) suddenly becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
- You arrive in Rome and your luggage doesn’t. If it’s lost, who will help you find it? If it’s delayed who will reimburse you for covered necessities? If it’s stolen, who will reimburse you for its contents?
- Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who is able to assist in getting you to your destination?
- You’re walking down a street in Rio and twist your ankle. Who is able to assist you in finding an English-speaking physician?
- Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will reimburse you if you want to cancel your trip?
- You are at a beach resort in the Caribbean, and you are forced to evacuate due to a hurricane which has made your resort uninhabitable. Who can assist you in being evacuated? Who will reimburse you for your lost vacation investment?
Of course, insurance coverage and covered reasons vary by plan, state of residence and more, so you should read the Description of Coverage before you decide to purchase any insurance policy.
Travel Guard Insurance
Most of our clients choose to protect themselves and their family with a travel insurance policy by Travel Guard, one of the largest travel insurance specialists in North America, with local representation in offices around the world and assistance programs that are there for you 24 hours a day, 7 days a week.
But even if nothing goes wrong during your vacation, your insurance purchase can enhance your trip: many Travel Guard insurance plans include concierge and other services, in case you need help with restaurant reservation, gift suggestions, shopping recommendations or local transportation.
Ask your ÐÓ°É´«Ã½ advisor for a Travel Guard insurance quote, or obtain an
Cruise Line or Tour Operator Travel Assistance
Although third party travel insurance such as Travel Guard’s generally provides more comprehensive coverage, most cruise lines and tour operators offer travel insurance or travel assistance that can be appealing to some clients. Ask your ÐÓ°É´«Ã½ advisor for details.
