Having a medical emergency far from home can be scary - and expensive. 

Is primary coverage necessary, or is secondary coverage enough?
Will secondary coverage leave you vulnerable?

Anytime you travel abroad or domestically, purchasing a travel protection plan with primary coverage is recommended.

Primary coverage is less complicated:

With primary coverage, your clients typically receive reimbursement on eligible losses first, before any other collectible policy. This becomes important when considering the time required to file and process a claim and receive payment.

With secondary coverage, you would need to exhaust benefits from existing policies (i.e. health insurance) and supply proof of their carrier's disposition before filing a claim for the travel protection benefits. A deductible payment may also be required.

 

The train journeys of tens of thousands of passengers communicating through the inter-city rail lines have had their journeys disrupted.

There are long delays and cancellations for travellers hoping to use the West Coast main line which connects London Euston with northwest England.

 Due to flooding all lines through Stoke-on-Trent are closed while other routes in the area were experiencing problems.

 The passengers were informed of disruption to continue until the end of service on Sunday October 27.

 Widespread cancellations and long delays were noted while some CrossCountry and Virgin Trains services were being diverted via Crewe not calling at Stoke-on-Trent, Macclesfield and Stockport.

 Lines from Crewe to Chester and both the Crewe and Shrewsbury into Wales are being affected.

 There are problems between Huddersfield and Leeds, and in the Hull area on the trans-Pennine routes.

 Those intending to travel between London and northern England have switched to east Midlands Railway operating from Sheffield to London St Pancras.

 Services on the line via Derby and Leicester, and connecting links from Sheffield, are extremely crowded.

 By severe disruption on Britain’s flagship rail line the  pressure on the Sheffield-London line was intensified.

 A series of trains from London to Leeds, Edinburgh and Aberdeen has been cancelled by LNER which runs the trains on the East Coast main line from London King’s Cross to Yorkshire, northeast England and Scotland.

Trains from Scotland, Leeds and Newcastle in the south were cancelled or terminated at Doncaster while others were delayed. As there was no driver being available the train pulled up at Doncaster. Passengers were advised to catch next trains but it was standing room only for two-and –a half hours.

 Due to the engineering work between Peterborough and Doncaster longer journeys than normal had been scheduled.

 As the trains were diverted via London the journey times were extended by an hour.

When purchasing travel insurance, have you ever asked, “What should I include in my insured trip cost?”

Especially for first-time buyers, this can be a common question.

Trip cost includes all pre-paid, non-refundable expenses for travel arrangements.

You should insure the trip cost according to how it is listed on the travel invoice. If the invoice/receipt for the travel booking is listed as a lump sum for an entire group, your clients should evenly divide the charges between them to calculate the per-person trip cost.

Here’s an example:

• Say a family of four is traveling together.
• Their total trip cost, including airfare, is $10,000.
• According to the itemized invoice, the two adults’ trip costs are $3,000 each, and the two children’s trip costs are $2,000 each.
• When purchasing travel insurance, these travelers should insure each adult at $3,000 trip cost and each child at $2,000 trip cost.

If you used points to pay for flights, some of our plans automatically include a Frequent Traveler Benefit to reimburse up to the benefit limit for re-depositing the frequent traveler awards utilized for the trip. If this benefit is not included in the plan, you may include the re-deposit fee in your trip cost insured under the policy.

Pleasant Holidays 2019 Fall Travel Deals Feature Up to 52% Off

Pleasant Holidays unveiled its biggest vacation deals for last-minute fall 2019 vacations. Featuring offers to sun destinations in Hawaii, Mexico, the Caribbean and the United States, Pleasant’s 2019 Fall Travel Deals include reduced room rates and added values like free nights, dining credits, guaranteed room upgrades and more.

Valid on new bookings for select travel through Dec. 20, 2019, air-inclusive fall vacations of three nights or longer at participating resorts in Mexico and the Caribbean receive an additional $100 off per booking when booked by Oct. 27, 2019.

Pleasant’s Fall Travel Deals include dozens of resorts with all-inclusive and adults-only options ideal for a relaxing last-minute vacation before the busy holiday season begins. Featured offers include:

Hawaii: Sheraton Maui Resort & Spa has a reduced room rate plus $30 dining credit per room per day at ROCKsalt.

Mexico: Ocean Coral & Turquesa Rivera Maya All-Inclusive offers up to 52 percent off room rate plus $100 off per booking; Riu Palace Cabo San Lucas Los Cabos All-Inclusive features up to 28 percent off room rate and up to $740 in resort coupons plus $100 off per booking; Atelier Playa Mujeres Cancun offers up to 30 percent off room rate plus $100 off per booking.

Caribbean: Excellence Oyster Bay Jamaica All-Inclusive Adults Only offers up to 45 percent off room rate plus $100 off per booking.

United States: Hard Rock Hotel & Casino Las Vegas features fourth night free and guaranteed late checkout; The Westin Cape Coral Resort at Marina Village in Fort Myers, Fla., has reduced room rate, free guaranteed room upgrade and $25 resort credit per night.

Additional last-minute fall 2019 travel deals and festive season vacations are available in these and other destinations. Offers and savings vary by participating resort, are subject to availability and may require round-trip airfare and/or a minimum night stay. For best selection, travel advisors are advised to book early as space is limited. For more information or to make a booking call Yes We Travel at 888-484-3556 or book online.

We are just days away from the launch of new Travel Guard travel insurance products: Deluxe, Preferred and Essential.
The new products and exciting enhancements will include the opportunity to tailor the travel insurance plans with one or more of unique Bundles.

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