When it’s time to take a much-needed vacation, it’s imperative that everything goes as planned. You want to arrive at your destination with your family, partake in everything there is to do and then return home safely. Unfortunately, there are many things that can go wrong with your vacation plans due to many variables at play. One way to reduce your chances of having a horrible vacation is to purchase travel insurance.
What is Travel Insurance?
Much like other types of insurance, travel insurance helps shelter your family if you experience a loss while traveling. So instead of being without clothes once you’ve reached your destination after losing your luggage, you may find that a quick call to your insurance provider can walk you through the process of making a claim, and then receiving a check to purchase new clothes. Fortunately, lost luggage isn’t the only loss that is typically covered by travel insurance. It may also include the following:
- Medical expenses
- Flight accidents
- Canceled flights
Of course, the extent of your coverage depends on your insurance provider. If you pay a little more for your coverage, you’ll find that you get more features and benefits included in your travel insurance.
Coverage for Medical Expenses
One of the main reasons you should purchase travel insurance is to help you cover the cost of medical expenses abroad. Although you may have health insurance, you don’t know whether or not your health insurance provider will cover the costs of medical expenses incurred abroad. By purchasing travel insurance, you eliminate the potential of being denied coverage because of your location; as long as you aren’t violating the terms of your coverage, it’s likely that you will receive help for your medical bills.
Save Money on Flight Cancellations
Another major reason to purchase travel insurance is the protection you get when it comes to flight cancellation. The Federal Aviation Administration estimates that passengers lose nearly $17 billion each year due to canceled flights. If you are like most people, you can’t afford to lose money due to cancellations. Fortunately, you may be covered by your travel insurance in the event of a cancellation.
After thoroughly planning your trip abroad, don’t jeopardize it by traveling without insurance. If you are planning a trip, give us a call and ask about how we can bring you peace of mind on your trip.
We’ve got you covered, where you go. Call Hill & Stone Insurance for more information on travel insurance.