Our Choice for Travel Insurance

Travelers have many options when purchasing travel insurance.  Some may already be provided by sources like a credit card. But after evaluating the coverage needed, it is important to have a insurance company providing Exceptional Customer Service.  Will they answer your questions? Variety of Insurance Plan Options to Meet Individual Traveler Needs Emergency Hotline ...
More

Emergency Medical

Every traveler needs to have insurance covering illness or injury while traveling. If traveling domestically, your personal health insurance policy is probably sufficient but check with your provider, especially if undertaking a trip with risky or unusual activities. If overseas, your policy probably does not cover illness and injury while traveling.  However, in order to...
More

Trip Cancellation and Interruption

Trip Cancellation Trip cancellation and interruption compensates the traveler for prepaid, non-refundable payments if a trip is cancelled or delayed by a reason covered by the policy.  It may also cover extra expenses incurred if a trip is cancelled or interrupted by a covered reason. Trip Cancellation occurs when a trip needs to be cancelled for a covered reason.  Trip i...
More

What Type of Policy is Best for You?

Health Insurance Many factors go into which is the best trip insurance policy to purchase.   However, all travelers need to have health coverage, without exception, regardless of where they travel.   Most United States health insurance policies do not cover illness/injury overseas.  Therefore it is necessary for overseas travelers to obtain health insurance for their trip. ...
More

Credit Card Travel Insurance

Most credit cards provide minimal, if any, travel insurance benefits.   Some of the cards we researched that do provide worthwhile travel insurance: Barclays Red Aviator MasterCard:  If a covered trip is cancelled or interrupted due to a covered reason this benefit can reimburse up to $1,500 towards the cost of the trip.  Reimbursement is provided for the forfeited, non-refu...
More

You Purchased a Policy. Now What?

Once travel insurance has been purchased, READ THE POLICY. Call the agent if there are questions or concerns. Bring With You On The Trip: A copy of the policy.  Better yet, email  a copy to yourself so that it can be accessed during the trip if necessary. The travel insurance identification card and any other associated documents.  For example, a list of insurance comp...
More

Filing a Claim

Again, it is important to read the terms of the policy before filing a claim. It may be necessary to notify and communicate with the insurance company before seeking medical care, purchasing alternative transportation arrangements, or arranging for emergency medical evacuation, for instance.  These procedures will be detailed in the purchased policy. It is important to em...
More

Travel Delay/Missed Connection

Let's examine this scenario:  You have booked a 2-week European tour starting with a cruise down the Seine River in Paris.   Your flight from North America is delayed, or worse yet, cancelled.  You will not make it to Paris in time to catch the cruise. If a covered reason cancels or delays a trip that results in more than  50% of a trip being missed, a claim may be submitted...
More

Lost/Delayed/Damaged Luggage

Lost, delayed, damaged, or even stolen luggage can be covered by insurance.  For instance, if a common carrier (i.e, airline, cruise ship) loses or delays luggage the insured can be compensated for emergency purchases like clothes and toiletries.  It is important to get documentation that the luggage was indeed lost/delayed/stolen and to have receipts for the emergency items pu...
More