The last thing anyone wants is to get sick or have an accident when on their vacation.
Travel insurance is a broad term that encompasses insurance against four major types of losses: medical, trip/flight cancellation, loss or damage to baggage, and evacuation.
While each of these coverages are useful in their own right, travel medical insurance should be the core of any traveler’s concern. Below are some preliminary considerations to help you get the right coverage
Mandating that travelers have travel health insurance is standard policy for tour companies and charities. They know that unless you have the most spectacular of health plans, odds are you’ll want to get temporary trip insurance. Find out from your current provider what they cover (usually not much) and find a good local insurance agent to help you find the right travel plan to fill-in any gaps.
You should buy your travel insurance from a good insurance provider that works with more than one company. But we could fill volumes about what this means. So here are some clues to look for:
Ask around. When travelers ask our agents what to do for trip insurance, Thomas & Associates recommends the companies that have many years of experience and a reputable reputation like Seven Corners, HTH Worldwide and GeoBlue.
Choose a travel insurance agent you can talk to.
We wouldn’t consider getting trip insurance without an Extreme Sports Coverage Plan. Not because you may or may not practice any extreme sports, but because many things that could happen to anyone are considered extreme sports by travel health insurance companies — like riding a bicycle or motorcycle.Unless you have the most insular of itineraries, you never know when you need to take a motorcycle taxi or, in more exciting fantasies, have to hang glide off a mountain to rescue a prince or princess. Either way, you want resulting injuries to be covered. The cost is usually minimal to add, and for trips, Thomas & Associates consider it absolutely worth it.
If there are any doubts or possible occurrences that could cause you to cancel your trip, then this option is a no brainer. We recommend the purchase of cancellation insurance if one or more of the travelers has a Chronic medical situation such as COPD or a heart condition.
Insurance lingo can be hard at first and then it gets easy. In the buying travel insurance arena, you can’t fake it. Be open with insurance agents if you don’t understand something. Getting the wrong insurance may give you a false security, but it won’t help you when you need it. Review your policy in writing and understand what’s written before you sign the dotted line.