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When to Buy Travel Insurance
Travel insurance plans include benefits intended to protect you, your travel investment and your belongings.
The basic benefits include:
Trip Cancellation/ Interruption to reimburse you should you have to cancel or interrupt your trip for a covered medical or non-medical reason.
Medical Expense/Emergency Assistance to cover medical expenses and emergency transportation for a sickness or injury that occurs while you are traveling.
Travel Delay Benefits to cover your out-of-pocket meal and accommodation expenses due to flight delays or cancellations or for other similar covered reasons. You must be delayed for a specified amount of time, such as 8 hours or more.
Baggage and Baggage Delay to cover loss or damage to your baggage or personal items or the cost of buying toiletries or personal articles if your baggage is delayed for a specified amount of time.
For a variety of reasons, it is prudent to purchase travel insurance when you first book your trip (i.e. make your first payment for travel arrangements).
Why? Most travel insurance policies contain one or more time sensitive provisions that broaden coverage. The time sensitive provisions which are included in most of our plans apply to several coverage enhancements, such as: waiving of the Pre-Existing Conditions Exclusion; Travel Supplier Bankruptcy or Insolvency protection and the Cancel For Any Reason Benefit.
We do not offer this insurance, but highly recommend you research this as an option for yourselves.