Do I Need Travel Insurance for Vacation?
Whether you’re traveling overseas, or across the country –it’s crucial to have comprehensive insurance during your travels. Here’s a list we think you should consider before taking off:
It is imperative for you to check to see if your current health insurance will cover illness, injury, or hospital stays wherever you’ll be visiting. Travel insurance covers the cost of treatment for a doctor’s visit or hospital overseas. If it’s advised that you are too ill to continue with your stay, your insurance will cover the trip ride home. There are many levels of coverage, from your basic needs, to full comprehensive coverage with additional accommodations, travel expenses, companion expenses, etc. Check with your local insurer to find what type of policy best fits your requirements.
Emergency Evacuation Insurance
This insurance would be used if you needed to be airlifted to a local hospital or depending on the level and stipulations of the coverage purchased, take you back home for medical treatment in your own country.
Travel Protection Insurance
This is protection from last-minute cancellations for flights and any other reservations made in advance. If you are the type of traveler that likes to book your plans early, this would be very important to consider. Things happen, whether they be good or bad, so it’s comforting to know that if you need to cancel at the last minute, you will be reimbursed for the money you’ve paid.
Baggage ProtectionSave yourself some money and do the legwork on this one. Airlines are liable up to a certain amount for loss or damage. If your flight was bought on credit, the credit card company may also cover lost items. This is different depending on your specific credit card company, so be sure to ask. Also, remember to check your homeowner’s coverage, as this may also come into play if an incident like this occurs.
Make it a priority when planning your dream vacation to investigate different insurance options --just in case you need it. Your trip will be even more enjoyable knowing that you can relax in confidence!
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