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Peace of mind.
You can depart secure in the knowledge that help is there if you need it. Should an unexpected event affect your health, possessions or itinerary, a plan is in place to help you resolve it quickly, efficiently, and safely. |
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Investment protection.
Your vacation could be your biggest expenditure this year. Travel insurance helps minimize financial loss. Can you afford to self-insure? |
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Stuff happens.
Expect the unexpected, and be ready for it. You can't plan for every eventuality, but for the most common ones, there is travel insurance. |
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Toll-free assistance, 24/7.
Concerned about how to proceed if you were to have a problem in a foreign country, in a foreign language? Your travel assist operator is always on duty, to advise and guide you. |
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Emergency medical evacuation.
No other type of insurance offers it, period. |
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"I'm a marketing exec. and I travel the world on business. Today, so many things can happen to disrupt a trip. I convinced my employer to purchase an annual travel protection policy, covering all my trips. For the company it’s an investment in my safety, and the peace of mind it provides for my wife and kids can’t be measured."
- Manley R., Alsip, IL
"I'm not worried about getting sick, it’s all the other stuff that seems to happen these days, like losing luggage, missing a flight connection, having someone swipe your wallet. It only had to happen once to convince me that I couldn’t afford to travel without some type of protection. Also, I like having a number to call for help when I need it."
- Henry M., W. Tisbury, MA |
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What risks do travelers face?
A broad array of unexpected events, including illness, accident or death of a close family member or traveling companion; bankruptcy of a tour operator, cruise company or airline; recurrence of a pre-existing medical condition; trip delay or missed connection; medical evacuation; loss or delay of baggage; rental vehicle damage; weather conditions and many other events can cause interruption or cancellation of your trip.
Why Travel Insurance?
For the 67 million Americans* who purchased it in 2006, travel insurance provided unparalleled investment protection and peace of mind. It is estimated that 30% of all American travelers, and 50% of Americans who travel outside the U.S., carry some type of trip protection. Whether it’s your dream vacation, honeymoon or multiple-destination business trip, today’s travel is expensive, and much of it is non-refundable. The real question is: Can you afford to travel without it?
*According to a recent survey by the U.S. Travel Insurance Association.
Who buys it?
Individuals, families, groups, businesses and students in rapidly growing numbers purchase insurance protection for the security and service it provides, plus the ability to access 24-hour travel assistance while away from home. And only travel insurance provides trip cancellation and interruption coverage!
What does it cover?
It covers tours, cruises, safaris, home rentals, airline flights, extended visits overseas by students or adults, or almost any type of holiday or business trip that involves substantial, non-recoverable expense. “Package” policies contain the most popular options; however, you can also mix and match coverage options according to your personal requirements. Every plan is unique; there are even a few that allow you to cancel for any reason. Most importantly, you buy only as much as you actually need.
When is the best time to buy?
You should purchase your policy immediately after making your first trip deposit, in order to enjoy the longest possible protection period. Also, some policies provide waivers for pre-existing medical conditions, terrorism incidents, bankruptcy or financial default (of tour operator, cruise or airline, hotel, etc.), cancellation for work reasons and/or cancellation for any reason, if you buy them within one to three weeks of making your initial trip deposit.
What's the difference between primary and secondary coverage?
Primary coverage means that the insured party is directly reimbursed by the insurance company for covered expenses. It is different from secondary coverage, which is supplementary to other insurance coverage that the insured party might have.
Secondary coverage requires you to first submit any claims to your own primary insurer (health or homeowners insurance provider, credit card company or car rental firm). It would then provide reimbursement for expenses not covered by the primary insurer, such as co-pays or deductibles.
What if I need help while I'm away?
In the event of a question or claim, you should call the toll-free access number that is provided with your policy. You can use that number whenever you need emergency assistance with any aspect of a covered trip, anywhere, whether there is a claim or not. For the average traveler, knowing what to do or whom to call when there is a problem can be very challenging, especially in a foreign language. One call to your Travel Assistance Operator can save your trip!
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