I have been writing about the importance of travel insurance since I began this blog. Rather than re-post an old post or re-hash previous topics, I decided to boil down my thoughts to six important points to remember about travel insurance.
- The most important part of travel insurance is medical evacuation and/or repatriation of remains. Consider the fact that an air ambulance from the Caribbean starts at a minimum of $25,000. Only my wealthiest clients have these type of funds available at any given time. The costs from Europe or other countries is much higher. Transporting a body can cost just as much if not more plus there can be a language barrier that the live assistance of travel insurance helps overcome.
- Should you have an incident that will require you to seek reimbursement from your travel insurance company, keep all receipts and have someone have the presence of mind to document all expenses and reasons for those expenses.
- All travel insurance is not equal. The cheapest doesn’t mean it offers the best coverage for your situation. Read each policy and coverages and exclusions carefully when considering which policy to purchase.
- Travel insurance will cover your expenses should you have to cancel your trip for a covered reason only. Cancel for any reason insurance is available at a higher premium.
- Keep your policy number and the toll free telephone number of the travel insurance 24 hour call center handy at all times. Many insurance underwriters also offer toll free numbers to call from a variety of locations across the globe.
- You may think your own insurance or insurance provided by a credit card will offer your sufficient protection, read those terms and conditions carefully before refusing to purchase insurance. You never ever think you need travel insurance until some event happens to you and then you will wish you had purchased it.
Being in this business, I would never leave the country without travel insurance. I have seen and heard too many stories that would break your heart when someone refused to buy travel insurance. I also have personal experience with both a colleague and a client having to use travel insurance. I know what a difference having travel insurance made to them when they had the services to rely on because their trips had been interrupted. I hope you consider these six important points about travel insurance when planning your next trip. If you want to talk about options, please feel free to give us a call.
Chuck and Laura Flagg own The Flagg Agency in Canton, GA and our number is 770-355- 9569
We are fee-based travel consultants and our specialty is the selecting,
planning, marketing and administering vacations for groups of all sizes.
We help people find a travel experience that matches both their wants AND their needs.