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Travel Insurance

Travel Insurance: What, Why, and When

Travel insurance doesn't only apply to lovebirds planning their honeymoon, it's something that anyone traveling on an expensive trip may want to consider. Learn the basics of travel insurance here to see if it's right for you.

What

  • Different policies will vary in what they cover, but the possibilities include bankruptcy of any travel supplier you've planned on using, accidentals before or during the trip that prevent travel, baggage loss or delay, trip cancellation, delay, or interruption, basic medial coverage, and emergency assistance.
  • Your travel agent will provide you with insurance information, but if you're planning without an agent make sure you research a variety of providers to compare rates and fine print coverage details.

Find out the when and the why when you

.

Why

  • You'll be charged anywhere from four to eight percent of the cost of your trip for insurance, but considering what's at stake the extra money may be worth it to protect your investment and buy you a piece of mind. We all know that travel can heed unexpected events and you can't count on the fact that everything will be peachy because it's your well-deserved vacation.
  • Travel insurance works with smaller hurdles like flight cancellations, and larger ones like evacuation and emergency medical treatment where your personal health insurance plan may not be able to offer assistance.

When

  • Make sure that you're clear on deadlines for submitting travel insurance paperwork and be aware there may be separate deadlines for different levels of insurance. For example, if you're concerned that you may want to cancel one leg of your trip that insurance upgrade may require an earlier deadline than your basic travel insurance plan.
  • Once you've decided on a plan and provider, fill out the insurance paperwork as soon as you get it and send it back immediately so it's one less deadline for you to remember.

Source

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Join The Conversation
lawchick lawchick 8 years
thanks, chibrosa! I will def check out insuremytrip.com - we're dealing directly with the hotel and airline for our next trip, so that sounds like a great option!
chibarosa chibarosa 8 years
I always buy travel insurance, and I've had to use it a few times so it definitely is worth it. I either purchase it as an add-on through Expedia or by going to www.insuremytrip.com to compare different plans. TravelSafe and CSA Travel Protection are both good providers in my experience.
Liss1 Liss1 8 years
When we booked our cruise the travel agent offered it. I bought it because i worry to much and i figured it was a good thing to have.
nancita nancita 8 years
I have never even thought about travel insurance before. What a great primer. thanks, Savvy.
Knight-Who-Says-Ni Knight-Who-Says-Ni 8 years
*the Jeez.
Knight-Who-Says-Ni Knight-Who-Says-Ni 8 years
I usually purchase some insurance when booking a trip - not hte whole shebang, though. I usually book through Travelocity or another online service and they offer the insurance through them. The fee is pretty nominal - about $15 for my last round-trip flight between SFO and Boston. This won't cover medical expenses or anything, but it would protect you if you have to cancel a nonrefundable reservation. Plus, flying these days is such chaos that it's nice to have a little backup.
lawchick lawchick 8 years
does anyone have recommendations for providers?
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