travel insurance masterFall is the perfect time to plan a trip! With seasons changing, and sometimes great deals to be found on your destination's shoulder season, you may finally be taking advantage of some well deserved PTO. Find out why it's still so important to plan ahead and protect your trip with the ultimate peace of mind!
Any time you travel 100 miles or more from home, it's a good idea to protect your trip with travel insurance. Any type of travel can be affected by delays and cancellations, hurricane and weather, and a lot more. Travel insurance can even provide cost saving coverage for a rental car, and reimburse you for non-refundable prepaid trip expenses like RV rental or campground reservations if you have to cancel or shorten your road trip due to a covered reason. With a variety of benefits for any type of travel, you will find the coverage you need with Travel Insurance Master.
If you're traveling internationally and visiting multiple countries, it's also easy to find the coverage you need! Travel Insurance Master specializes in single trip travel insurance. Therefore, if you return home and fly out again, you will need to purchase another plan for each of the round trips. Alternatively, if you fly out and return home in a few months for example, then just a single policy will cover your entire trip. In this scenario, you will want to request a quote and purchase a plan starting on the day of departure and ending on the day of return. Be sure your Trip Cost or your prepaid and non-refundable expenses are accurate.
Multiple destinations on one trip can be a fantastic way to take advantage of accrued time off and cross off the places that have always been on your list! However, more flights, transfers, accommodations, activities, etc., can all add up to a significantly higher risk for the unexpected to happen.
Comprehensive Plans with Trip Cancellation are the most popular plans among travelers and there’s a good reason why. Trip Cancellation gives you the ability to cancel your trip before it starts for 100% reimbursement of your otherwise non-refundable prepaid trip expenses. More planning and usually more money go into a multiple destination trip, so you’ll be happy to have this protection if you need it. There are many covered reasons for Trip Cancellation including sudden illness, injury, death of a family member, or natural disaster affecting your home or destination. See your plan certificate for coverages and requirements you will need to meet for cancellation.
Comprehensive plans also combine Trip Cancellation with Travel Medical benefits. It’s important to remember that your regular health insurance rarely offers coverage outside your home country. A travel insurance plan with a Medical benefit helps fill that gap. Without this benefit, an emergency could leave you with hefty medical bills that you may need to pay for out of pocket. The Medical Evacuation benefit is also something to look for in case of medically necessary evacuation. The Non-Medical Evacuation benefit is there for you in the event of scenarios like Political, Security, or Natural Disaster evacuation. See your plan details for coverage limits and specifics.
Travel Delays are more common than travelers like and there’s a benefit to help mitigate the inconvenience if this occurs! If you’re delayed for the period of time specified by your policy, this benefit can reimburse things like hotel expenses and meals. Be sure to keep you receipts just in case you’re eligible for reimbursement. If you’re part of a cruise or tour during your trip, Missed Connection benefits can help with the costs of catching back up to the trip, depending on the circumstances.
A travel insurance plan with 24 Hour Travel Assistance can be useful on any trip but is especially beneficial outside your home country. These services offer a wide range of help and advice if you find yourself in an unfortunate situation. They can help with travel document and ticket replacement, emergency cash transfers, medical assistance and evacuation, and much more. If you’re on a significantly more complicated trip involving multiple countries, you’ll be happy to have access to this service. You can find your out of country assistance number on your plan certificate – a good reason to keep this information readily available when you travel.
Wondering what to do when you have travel insurance and something goes wrong?
If something serious happens, contact the provider’s emergency assistance number. You can also contact Travel Insurance Master or the actual vendor for advice. A great rule of thumb to follow is, if anything happens on your trip that will cost you money, either already paid when the trip was purchased, or will have to be paid as a result of what happened, be prepared for a claim and collect all the receipts.
For sickness or accidents – collect and keep medical bills and all paperwork associated with the incident.
For lost or delayed luggage – collect and keep claim forms, delivery receipt, and purchased goods receipts.
For travel delay, missed connection, or trip interruption – collect and keep records of hotel stay, meals, transportation, and any other incidentals. Pay attention to the coverage limits according to your policy.
Remember if anything happens resulting in an additional expense, even if you are not sure whether or not it will be covered by travel insurance, keep the receipts just in case. Travel insurance is an important part of any trip and you’ll be glad you purchased it if something arises. Let TravelInsuranceMaster.com recommend the best plan for you from our numerous trusted providers so you can get back to planning and ultimately making travel memories this fall!
