travel insurance masterReady to plan your next vacation? No matter the reason or the season, it’s always time for travel insurance and we share exactly why!
THE SEASONS BRING THE UNEXPECTED
Did you know even the most idyllic vacation plan can change in an instant with the seasons and the weather? Hurricanes and adverse weather could easily cause a cancellation or delay, and without travel insurance you may be left covering the cost of a trip you didn’t get to take or fully enjoy.
On TravelInsuranceMaster.com, you’ll be able to easily filter by the benefits most important to you, like Hurricane and Weather. Depending on the plan you choose from one of our top providers, you’ll find coverage for Trip Cancellation and Interruption due to one of these natural disasters. Some plans will even provide coverage if either your own home or your accommodation becomes uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster. See your specific plans for details and coverages.
The next time you’re concerned your tropical destination may be affected by a rogue storm, remember to look for the Hurricane and Weather benefit that provides coverage and peace of mind for the unexpected!
WEDDING SEASON
With so many weddings taking place at destinations around the world all year round, it seems like there’s no longer a true wedding season. So, no matter the time of year, travel insurance with the Wedding benefit is a smart purchase for added peace of mind when you RSVP to a destination wedding.
Once you plug in your trip details into the easy 3 step quote request on TravelInsuranceMaster.com, you’ll find your recommended plan and side by side comparisons of similar plans that may suit your needs. For the Wedding benefit, utilize the Wedding Cancellation filter on the left-hand side of the Plan Results page. Several plans offer an optional Wedding Bundle which upgrades your plan adding an additional unforeseen event for Trip Cancellation: Cancellation of a wedding at the destination. It’s important to note that it does not apply if the insured is the bride or groom. It’s important to note you must purchase your travel insurance within several days of your initial trip deposit to take advantage of this benefit. Keep reading to find out the best time to buy your travel insurance.
WORK WORRIES?
If you think there’s a possibility work could surprise you and cause you to have to cancel your trip, you will want to filter by and find a plan with the Cancel for Work Reasons benefit.
Depending on the specific plan, this benefit may provide coverage if you’re terminated or laid off through no fault of your own, if you’re required to work during your trip, or if a burglary, natural disaster, and more affects your business. Be sure to review your benefits for coverages and what’s required in case of a claim.
THE BEST TIME TO PURCHASE
Travel insurance is certainly something that you do not want to forget to purchase, and you’ll be rewarded with more options available to you if you purchase early on in the travel planning process. There are many time sensitive benefits that make purchasing travel insurance the same day or within a set number of days of your initial trip deposit beneficial.
One of these time sensitive benefits is the Pre-existing Medical Conditions Waiver. If you or someone you are buying insurance for has a pre-existing health condition, you should seriously consider the likelihood of it flaring up or reoccurring before or during your trip. Could it cancel or interrupt your travels? For plans without the Pre-existing Medical Conditions Waiver, normally a medical condition present prior to your travel insurance policy’s effective date would not be covered. Most plans have a look-back period which means the plan investigates your medical history, anywhere from 2 to 18 months, to check if your condition appeared or was treated during that time. The good news is this benefit usually doesn’t add to the cost of your plan!
If you miss the cut off to purchase a plan with the Pre-existing Medical Conditions Waiver, look for a plan with a look-back period that’s shorter than when you last registered your medical condition with your doctor. If you called your doctor 63 days ago, and you purchase a plan with a look-back period of 60 days or less, you technically do not have a pre-existing condition and do not need the waiver. See your specific plan for details.
One of the most requested benefits, Cancel for Any Reason, or CFAR, is time sensitive too! Cancel for Any Reason or CFAR gives you the most flexibility with your trip. Just like the name suggests, you’ll be able to cancel for any reason whatsoever usually up to 2 days prior to departure for up to 75% reimbursement of your prepaid, non-refundable travel expenses. It’s important to note CFAR does not replace your normal Trip Cancellation benefit which gives you the ability to cancel your trip before it starts for an eligible covered reason to receive reimbursement for 100% of your trip cost. There are many covered reasons for Trip Cancellation, most commonly when you or your travel companion suddenly fall ill or sustain an injury that prevents you from taking your trip. See your specific plan for details and the requirements you will have to meet.
WHAT ARE YOU WAITING FOR?
The best time to protect your trip is as soon as you make your initial trip deposit, but no matter the timing a protected trip is always better than an unprotected one. Find the ultimate peace of mind in just 3 super easy steps at TravelInsuranceMaster.com!
