travel insurance masterNow's the time to start planning and preparing for your fall and holiday trips! Whether you are staying stateside or traveling abroad, be sure to keep our trusted travel tips in mind for big savings and protect your travel investment with TravelInsuranceMaster.com!
FLEXIBILITY IS A SAVINGS STRATEGY
Flexibility can be the key to big savings if you are able to move your travel dates slightly. The resort you’d like to stay at may be fully booked for the popular holiday break dates but if you are able to move your arrival/departure dates a little, you may find more availability and better rates. Start planning your trip early to take advantage of discounts too. Oftentimes prices jump up after Halloween. Still can’t find dates that work? Consider booking in advance for next year!
CONSIDER A TRAVEL ADVISOR
A travel advisor may is another great resource for travel savings you may not be able to access otherwise. They sometimes receive exclusive offers for their clients from popular resorts and destinations. Plus they may even have more exclusive options when you run into fully booked accommodations.
TRAVEL INSURANCE IS STILL IMPORTANT FOR DOMESTIC TRIPS
Travel insurance is beneficial on any trip that takes you 100 miles or more from home, including road trips! If you have to cancel or shorten your trip due to a covered reason, travel insurance can reimburse non-refundable prepaid trip expenses like RV rental and campground reservations. Plus, any type of travel can be affected by delays and cancellations, hurricane and weather, and a lot more.
TRAVELING ABROAD?
If you're traveling internationally and visiting multiple countries, it's also easy to find the coverage you need! Travel Insurance Master offers both single trip insurance and annual coverage. If you opt for single trip and 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.
ALREADY PUT DOWN YOUR INITIAL TRIP DEPOSIT? PROTECT IT WITH TRAVEL INSURANCE!
Be sure your travel checklist includes purchasing travel insurance after you put down your initial trip deposit to take advantage of time sensitive benefits like Cancel for Any Reason (CFAR) and the Pre-existing Medical Conditions Waiver.
The CFAR benefit allows you to cancel for any reason whatsoever usually up to 2 days before departure for a reimbursement up to 75% of prepaid non-refundable trip expenses, depending on your specific plan. To take advantage of CFAR, be sure to purchase your insurance early, usually within 1-21 days of initial trip deposit. It’s important to note CFAR is an additional benefit and does not replace your regular Trip Cancellation benefit that covers you 100% percent for covered cancellation reasons, most commonly when you, your family member, or travel companion gets sick.
You will also want to purchase your insurance early, usually same day or within a set number of days of initial deposit, to take advantage of the Pre-existing Medical Conditions Waiver. Without it, normally a medical condition prior to your travel insurance policy’s effective date would not be covered. Most plans have a look-back period where the plan investigates your medical history, usually 2 to 18 months, to see if your condition appeared or was treated during that time. 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. If so, look for plans with the Pre-existing Medical Conditions Waiver – it usually doesn’t add to the cost of your plan. If you wait too long to buy insurance this benefit may no longer be available and you will want to find a plan with a shorter look-back period than when you last registered your medical condition with your doctor. For example, if the last time you called your doctor was 63 days ago and you purchase a plan with a look-back period of 60 days or less, then you do not have a pre-existing condition at all and therefore do not need the waiver. Even if you have not paid for your trip in full yet, you can shop for and purchase travel insurance on TravelInsuranceMaster.com. Although we recommend purchasing early in the travel planning process, some plans do allow you to purchase coverage up until the day before departure.
BE PREPARED FOR TRAVEL DELAYS
Travel Delays are more common this time of year 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.
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 save you both time and money too by recommending the best plan for you from our numerous trusted providers so you can get back to planning and ultimately making travel memories this fall and beyond!
