What is your plan if you had to come back home early from your destination?
Travel protection provides you with benefits for unexpected, named situations-called covered reasons-that can arise before or during your trip.
The details on this page are from my preferred travel protection partner, Allianz Partners. They have wonderful trip cancellation, interruption and trip delay benefits and travel protection can be easily added to your vacation package quote.
As a travel specialist, I never feel comfortable with anyone traveling without travel protection or at least having a plan if you had to return from your trip early.
Read on to find out how travel protection can give you peace of mind before and during your travel.
- Reimbursement for covered trip cancellation, travel delay, and baggage loss or delay
- Emergency medical/dental insurance and emergency evacuation benefits in case you have a covered illness or injury while traveling
- 24/7 live assistance services
- Locate the nearest vetted medical facilities
- Contact local authorities, emergency services, embassies, or family members on the insured's behalf
- Make medical transportation arrangements or arrange for a family member to travel to the insured's hospital bedside
- Help the insured replace a lost passport or refill a prescription while traveling
- And more
- You, your family member, or your travel companion has a covered illness around the time of your planned trip
- You are injured in an accident before your trip and become unable to travel
- A hurricane that was unnamed at the time the plan was purchased causes a mandatory evacuation of your destination during your travel dates
With cancellation benefits, you can be reimbursed up to 100% of the nonrefundable trip costs, depending on the plan purchased, if you need to cancel your trip for a covered reason. This gives you more financial flexibility to rebook your trip at a later date.
While traveling, a number of issues can arise that might force you to cut your trip short or miss pre-paid activities.
- You have a death in the family while traveling and need to cut your trip short
- An extended flight delay causes you to miss your nonrefundable cruise
- You become ill or injured while traveling and are unable to continue your trip
With trip interruption benefits, you can be reimbursed your insured, non-refundable trip costs if your travel plans are interrupted for a covered reason.
A spectacular benefit of using Allianz Partners travel insurance is their travel delay benefits. Inclement weather and other issues frequently cause unexpected travel delays-which can bring additional, unplanned expenses like extra meals and accommodations. With travel delay benefits from Allianz Partners, you can be reimbursed for additional expenses resulting from a covered delay-or, you could receive an automatic, no receipts-required payment of $100 per insured traveler on a plan that includes Smart Benefits.
Travel protection does not cover reasonably foreseeable events-like storms that were already named at the time of purchase or the worsening condition of a family member who was already ill when the plan was purchased.
It also doesn't cover all unforeseeable events. Only reasons names as covered reasons within the plan documents are eligible for a claim-but there are some special circumstances to keep in mind like pre-existing conditions.