Travel insurance can be an excellent way for travelers to protect themselves when they leave their home city for destinations unknown, no matter how far they are going or how long they will be gone. While many travelers think of travel insurance as having its best effect when they are out of the country or in a place in the world that does not have the same level of travel and care facilities as at home, there are a number of times when travel insurance can be used within the United States. Travelers can often make travel insurance claims for problems that arise when they are traveling within their own borders, and this can be an excellent way to save on costs.
Travel insurance works under the same assumptions as other insurance types like auto and health – it is intended to mitigate the risk of a certain activity, in case, traveling. When in another country, a consumer can use their travel insurance to pay for a hotel while they wait for a new flight home or to be airlifted to a medical facility that has been approved by the insurance company and may include a higher level of care than that offered at local hospitals. Often, consumers assume that such care cannot be accessed in the US, but many plans will include provisions for travel insurance claims within US borders in the same way they do for international travel.
While there may be some restrictions, many of the same coverages will apply. First, a traveler will be able to use their travel insurance in order to cover the cost of lodging should a flight be delayed or airport closed. While in another country not having a place to stay could be dangerous, it can still be extremely expensive even in the United States and travel insurance can offset the costs of a hotel room if it is needed for several days or a week. In addition, if a traveler is suddenly struck by an illness, it is possible that their healthcare plan will not operate due to state legal issues or a lack of compliance by their provider. In this case, travel insurance can step in to mitigate the costs not covered by health insurance and ensure that a traveler gets the care they need.
No traveler wants to make travel insurance claims that are unnecessary but even within the borders of their home country it may be required in order to get home safely, and it is good to know how a travel insurance policy can be made to work for a client when they need it, even in the USA.