Tips For Speaking To A Travel Insurance Agent

A trip can be a great way to relax cares away, or experience a part of the world that is unlike anything that a vacationer has at home. Though both airfare and hotel costs are up, many Americans find it worthwhile to travel at least once a year, and more if they have the funds available to do so. While most trips go off exactly as planned, it is possible for issues to arise that may affect either the trip itself, or transportation to and from the destination. For example, the recent volcano explosion in Iceland had a significant impact on the travel plans of thousands of vacationers. For those that had purchased travel insurance policies, this became an inconvenience that was paid for in large part by the insurance plan. For those without, a possible financial crisis was the result. Before traveling to any other country destination, it is wise to speak to a travel insurance agent.

While most travel insurance agents do have the best interests of their clients at heart, it is always important to know what to ask a travel insurance agent as well as what to expect from their reply. The job of a travel insurance agent is to provide coverage for those traveling abroad in a variety of different categories. The most common are health and transportation, as well as cancellation insurance in the case of a booking being cancelled due to weather or instability in a country. Without insurance, many of these issues will not present a problem, and the likelihood of having to use insurance is slim. However, when insurance is needed, not having it can easily result in a loss of money equal to or greater than the cost of the vacation itself.

When speaking with an agent about travel insurance polices, ask about coverage specific to the intended destination. The agent should be able to provide information about health and transportation coverage and exactly what type of benefits and treatment will be offered in the case of a medical emergency or if a plane cannot leave due to storms or other inclement weather. As well, the agent should be able to provide specifics. While it is certainly possible that they will not have all data on-hand, a call back within a day should take place, and all of the data should be current and accurate. Generalities or vague promises are not worth anything if a catastrophic event should occur – write down what an agent says and make sure that the policy sold reflects what was stated.

While travel insurance can be expensive, typically a percentage of the total trip price, the piece of mind is often worth it.