While medical coverage during domestic and international trips is important and conventional, there are a myriad of other events covered under travel insurance. Depending on your reason for travel, length of stay, means of travel and destination, you can find travel insurance services in addition to accident, illness and emergency evacuation that fit your budget and specific concerns. Chances are you planned your vacation well in advance and you want to be sure that your travel plans unfold without a hitch.
A very important consideration is how to protect against cancellation of your travel plans. This coverage enables you to safeguard the investment that you or your employer has made in your vacation or business trip. These costs, often non-refundable, can be substantial so it’s important to consider taking out a policy to protect against loss. Trip insurance can protect you not only if you become ill before your trip but if a family member or even your traveling companion should become sick. Coverage can insure against cancellation in the event of death.
Other eventualities that can result in cancellation of your trip are inclement weather, an instruction to perform jury duty, a call into active military service or if your airline, cruise line or tour company should go bankrupt. Travel insurance services cover such occurrences. There is even coverage available should you become pregnant after you have paid for travel and accommodations and choose not to travel during your condition.
There are work-related events that can alter your travel plans for which you may want to be covered. If you, a family member or traveling companion should be terminated or laid off, your pre-paid travel package is protected against loss should you have to cancel. Some policies allow for coverage should work conditions arise that prevent you from taking your trip as originally planned.
Basic travel insurance not only protects against lost, damage or stolen luggage but against lost or stolen travel documents such as passports, visas or any other identification papers. An add-on policy can also insure against identity theft.
With the growing problem of airline delays, you can even choose a travel insurance package that insures against such delays and any inconvenience related to a missed connection. Will you need to rent a car? There’s even coverage against rental car damage while on your vacation.