April Travel Protection has supplied trip insurance to customers around the world for more than two decades. Its French parent company maintains offices in dozens of countries. American Modern Home Insurance serves as the policy underwriter. This highly rated provider offers two economical yearly plans as well as coverage for individual trips.
Anyone with an April Travel Protection policy can contact the insurer’s staff by phone at any hour. No deductibles apply to emergency health treatments, and all plans include international travel assistance. Family pricing options make it affordable to take a vacation with your children.
A feature called Stress Less enables customers to gain immediate compensation during trips for situations covered by the policy. In many situations, this will let you avoid complex paperwork and long waiting periods. Most policies also include accidental death benefits. If you die in an accident while traveling, a family member will receive $25,000 to $200,000 depending on the policy.
Consider buying a temporary travel insurance plan if you will only go abroad once this year. April’s single-trip policies cover journeys lasting a maximum of 60 days. Both Economy and VIP coverage provide funding when you need emergency health treatments while overseas. They also cover delays, baggage loss, interruptions and cancellations.
The Economy Plan refunds prepaid expenses if you cancel your trip due to an unforeseen illness or injury. The same goes for terrorist attacks, strikes and disasters. April’s VIP coverage expands the list of acceptable reasons to stay home. Among other things, it covers unemployment, car accidents and pregnancy. This deluxe plan also has higher caps on most payments.
April Travel Protection also offers a Trip Cancellation plan which only provides trip cancellation coverage. This is an interesting offering to those who only desire coverage for pre-departure trip cancellation and none of the other bundled benefits that are typically included in comprehensive travel insurance plans.
Annual Travel Insurance
You can save money by selecting one of April’s yearly policies when you want to travel multiple times in a 12-month period. They typically cost around 30 to 60 percent more than single-trip plans. Universal and Elite policies provide most of the same coverage as their Economy and VIP counterparts. However, they come with much lower limits on travel interruption claims.
Trip Insurance Riders
You may add extra coverage to certain plans. For instance, it’s possible to augment ATP’s emergency medical insurance or shield yourself from rental car repair bills. Keep in mind that your credit card may already insure rented autos. April also lets customers expand trip cancellation insurance to cover any reason. This increases a policy’s total cost and is typically only available within a certain time frame.
The bottom line is that this insurer doesn’t offer the lowest rates, but it supplies comprehensive coverage and maintains relatively high reimbursement limits. Many customers praise ATP for rapidly delivering compensation. Nevertheless, be sure to compare multiple travel insurance providers before selecting this company. Always check the terms and conditions for the most up-to-date details.