travel insurance masterTravel insurance can seem complicated but that's why we're here to help! At travelinsurancemaster.com, we make requesting a quote, finding the best plan and value for your trip, and protecting it with the benefits most important to you easier than ever. Still have questions? Keep reading for a quick guide to all things trip protection.
Travel Insurance - What exactly is it?
Travel insurance plans protect you from loss and finiancial risk when you travel. From lost luggage, to trip cancellation, to illness or injury, you'll be happy to have purchased a plan to protect you from the unexpected. At Travel Insurance Master, we work hard to find the very best providers and plans in the industry and bring them to one website, so you can find comfort in knowing we will provide you with the best recommended plan.
How does it work?
If the unexpected happens on your trip, and cancels, delays, or causes financial loss, without travel insurance you'd lose the money you invested in it! However, with travel insurance, the first thing you'll want to do is contact your travel insurance provider and gather your necessary documents to file a claim.
Remember, every claims situation is going to be different, and so there are a few differences in how you will need to respond to them. Please keep in mind that if an emergency arises, contact your insurance company as soon as reasonably possible! Each policy includes a claims phone number and 24-hour assistance phone numbers for both inside and outside of the United States, ensuring that you can get in touch with your insurer at any time. If you are traveling internationally you will need to make a collect call with the out-of-country emergency number.
In a case where you are going to have to cancel your trip prior to departure, contact your insurer immediately. They will advise you on how to proceed with filing the claim and will also inform you of what documentation they will need to see.
If a medical emergency arises while you are traveling, again you will want to contact the company as soon as reasonably possible. The reasons for this are two-fold:
Some companies will require pre-certification, or that you contact the company before receiving medical treatment or having an evacuation performed. Naturally, if you're in a dire medical emergency you would want to seek care immediately and worry about claims once you're stable.
You will need to know what documentation will be most important for you to have with you before returning home.
One fact that cannot be stressed enough is to save your receipts and proof of expenses so that you can be accurately reimbursed, whether it be costs due to a delay of travel for hotel or meal, or medical records for emergency treatment received. This is especially important for medical care received overseas, as it can be incredibly difficult to get this paperwork once you have returned home. For filing a claim, nothing is more important than having accurate documentation for your loss.
After a provider pays a claim to a traveler, they will typically "subrogate" to seek reimbursement from any other collectible sources that may be available. These other sources could be other insurance policies or travel suppliers to recoup some or all of the claim that was paid. The travel insurance plan you purchase will have more details on this in the certificate that Travel Insurance Master emails to the primary traveler.
Sometimes, a claim is denied by the travel insurance company. When this happens, Travel Insurance Master customers have the option to have their claim reviewed by our Customer Care Team.
Sounds great! How do I find my recommended plan?
Visit TravelInsuranceMaster.com and enter your trip details in just a few super easy steps. You’ll find your recommended travel insurance plan from one of our various trusted providers, as well as side by side comparisons of other plans that may be a good fit. You can even utilize customizable filters to narrow down plans by the benefits most important to you. Select the plan you’d like to purchase, fill out your payment details, and receive the plan straight to your email!
Don't wait!
Even if you haven't paid for your trip in full yet, it's always a good idea to begin searching for your recommended travel insurance plan. The quicker you are in starting the process as soon as you put down your initial trip deposit, the more options and benefits you'll find are available to you!
Purchasing travel insurance early on in your planning process will give you access to some of the most popular benefits like Cancel for Any Reason or CFAR. This benefit will give 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.
