Unplanned Moments Happen: How Travel Insurance Saves the Day!

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Travel insurance is an essential part of planning any trip, whether you're heading to a bustling city or a remote destination. There are many reasons travelers secure travel insurance, and it’s worth considering what’s most important for your needs. Here are a few scenarios to think about:

  • Remote Destinations: If your travel plans take you to areas far from major medical facilities or transportation hubs, insurance can be a lifeline.

  • Family Considerations: Travelers with older parents or family members might need to cancel a trip unexpectedly or return home early.

  • Non-Refundable Costs: Whether it’s a cruise, a flight, or a package deal, non-refundable bookings are a significant financial commitment.

Personally, I’ve encountered all these situations. With parents in their 80s, I’ve had to plan for the possibility of canceling or cutting a trip short. 

Then there was my friend who went hiking Mont Blanc in France last August and wiped out on the first day. That photo is actually her being air-evacuated to the hospital to get her knee sewn back together. You just never know! 

What Travel Insurance Typically Covers

Travel insurance policies vary, but here are the most common areas of coverage:

  • Trip Cancellation, Delay, and Interruption: Reimbursement for unforeseen changes to your travel plans.

  • Baggage Issues: Compensation for delayed, lost, or stolen luggage.

  • Medical and Dental: Coverage for emergencies, including medical evacuations.

  • Car Collision Damage: Protection against loss or damage to rental vehicles.

Key Considerations for Travel Insurance

1. Check Your Existing Benefits

Many credit cards offer travel insurance benefits. Typically, the higher the card’s annual fee, the more comprehensive the coverage. Review your card’s benefits to see if they include:

  • Trip interruption and cancellation coverage

  • Emergency medical assistance

  • Rental car damage protection

If your card doesn’t offer sufficient coverage, consider standalone travel insurance policies.

2. Understand Limitations

If you’re purchasing travel insurance through a cruise line, be aware that the coverage often applies only during the cruise itself. It’s rarely door-to-door protection, so read the fine print carefully.

Additionally, most U.S. medical insurance plans, including Medicare, do not cover medical expenses incurred abroad. Always confirm your coverage before traveling.

3. Pre-Existing Conditions

Pre-existing medical conditions typically aren’t covered unless you purchase a policy with a specific rider. Insurers often define a pre-existing condition as any medical issue that has worsened or changed within six months of booking your trip.

4. Tailored Coverage Options

Travel insurance can be more affordable if you opt for limited coverage. For example, some policies focus solely on medical and baggage protection, which might suit your needs if you’re traveling on a budget.

How to Purchase Travel Insurance

If you don’t already have a credit card that provides adequate travel insurance, many companies offer policies to suit various needs. Travel agents, like myself, can help you navigate the options and find coverage tailored to your trip.

Concierge services are also provided with the insurance I sell such as medical and/or legal assistance, prescription drugs and eyeglasses replacement, passport replacement, and lost baggage retrieval to name a few.

When selecting a policy, consider the risks you want to minimize and ensure the coverage aligns with your travel plans. With the right insurance in place, you can explore the world with greater peace of mind so you can concentrate on creating your next standout adventure!




Location: Scottsdale, AZ, USA

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