Travel Insurance
The protection you need against unforeseen travel mishaps from lost baggage to medical emergencies.
Domestic and International Travel Insurance Plans
When you travel abroad be smart and consider purchasing travel insurance. Travel insurance is meant to protect you against unforeseen travel mishaps like your flight getting cancelled due to severe weather or your baggage getting lost or stolen or medical help when you need it. Many US regular health plans do not cover you when you are abroad and it’s a good idea to keep yourself covered when you travel.
When Should You Buy Travel Insurance
As with other insurance policies, buying travel insurance (or not buying it) is a gamble. You don’t want to regret not buying the insurance, but you also don’t want to pay for something you don’t need. Remember that Travel Insurance is worth it when you’re traveling abroad and your health insurance doesn’t cover emergencies outside of your country. It’s also good for when a large portion of your trip is non-refundable and losing out on the cost of your trip would seriously set you back. For everything else in between, consider how much a financial disaster it would be if something bad happened on your trip or you had to miss it.
Types of Travel Insurance Coverage
When buying international travel insurance you can get just what you need and even mix and match packages, since you may currently have some type of coverage that may help you in case of travel misfortunes.
Below are the most common reasons that people buy travel insurance.
-Trip Cancellation and Trip Interruption Insurance
This type of travel insurance reimburses you “non-refundable” travel costs if your trip is cancelled or seriously delayed due to a natural disaster, illness, or the carrier goes out of business. This is the main reason people get travel insurance, especially for cruises.
-Emergency Medical Insurance
You wouldn’t want to go without medical and health insurance in everyday life and when you’re traveling abroad it’s important to stay covered in case of accidents. This is the second most popular reason people get travel insurance. Coverage is usually around $10,000 – $50,000 for emergency medical care.
-Baggage Loss and Baggage Delay
If someone steals something from your bag or your luggage is lost or delayed, travel insurance will pay you for your trouble, usually up to about $500 per lost baggage and $100 – $300 per baggage delay. Missing and damaged bags happen a lot more often than you may think, so get yourself protected when you travel.
-Accidental Death or Dismemberment Insurance
If you or a loved one dies on the trip or suffers a life-impairing accident (e.g., losing an arm, leg, or eyesight) this insurance feature pays out up to about $500,000, depending on the situation. As inconceivable as this may seem, unfortunately, it does happen, so protect yourself and your family.
Explore Your Travel Coverage Options
Whether you’re embarking on a one‑time getaway, jetting off regularly, or traveling as a student or educator, we’ve created tailored insurance solutions just for you. From health emergencies overseas to mishaps like lost luggage, each plan offers specific benefits designed to keep your trip safe and worry‑free.
Scroll down to discover which coverage aligns with your travel needs and get ready for peace of mind wherever you go.
Frequently Asked Questions About Travel Insurance
What can travel insurance help cover?
Depending on the plan selected, travel insurance may provide benefits for covered trip cancellations or interruptions, emergency medical care, baggage loss or delay and certain travel-related accidents. Benefits, limits, exclusions and covered reasons vary by policy.
When should I purchase travel insurance?
It is generally best to consider travel insurance soon after making your initial trip deposit. Some benefits may be available only when coverage is purchased within a specified period. Ildiko can help you review the timing requirements of available plans.
Will my regular health insurance cover me outside the United States?
Some health insurance plans provide limited international coverage, while others may not cover medical care outside the United States. Before traveling, check your current policy and consider travel medical insurance if additional protection is needed.
What is the difference between single-trip and multi-trip travel insurance?
Single-trip insurance is designed for one specific journey. Multi-trip or annual coverage may be appropriate for someone who travels several times during the year. Coverage periods, destinations, benefits and eligibility vary by plan.
Let us help you find the right travel protection you need at the best rates.