You insure your car and your house, as well as your health and your life, so why not insure your trip? Many costs of your trip have to be paid in advance and aren’t refundable, so if something happens that prevents you from going, you could be out several thousand dollars. But having travel insurance can ensure that doesn’t happen.
How Does Travel Insurance Work?
When most people think of travel insurance, also called trip insurance, they think of it reimbursing you if illness, injury or a death in the family prevents you from going on a trip. But travel insurance actually covers myriad other issues that might prevent you from going on your trip or end it prematurely.
For example, if you get sick or injured six days into a 14-day trip and can’t continue, your trip insurance can reimburse you the costs for the remainder of your trip. Other situations in which insurance will cover you and reimburse your non-refundable costs include: severe weather that cancels flights or causes damage at your travel destination; you losing your job or being required to work during the time your trip was scheduled; if you are called to jury duty and can’t get out of it; if your travel provider goes bankrupt. Please keep in mind that coverage can vary by provider and plan.
Trip insurance usually also offers other coverage, such as a death benefit, coverage for emergency medical treatment you need on a trip and reimbursement for lost baggage.
How to Get Travel Insurance
Many travel booking sites sell travel insurance, but they typically just offer one (or a few) plans to choose from. You wouldn’t feel comfortable buying a flight if a travel site only showed you one option, so why should travel insurance be any different? Fill out our simple form on the right side of this page to compare travel insurance quotes from leading providers. By comparing multiple quotes, you can ensure that you are getting adequate coverage and spending an amount that you are comfortable with. Finally, you can buy online through our safe and secure checkout and receive your confirmation of coverage instantly via email. A policy usually costs anywhere from about 5 to 8 percent of your total trip cost.
How to File a Claim
If something happens during or before your trip, you need to contact the travel insurance company as soon as possible so it can advise you about what to do. You also need to keep meticulous records. If an illness in the family is the reason you can’t make the trip, you need a doctor’s note and copies of any bills sent to you. If you have to cancel your trip due to work, you would need a letter from your employer. When filing a claim you will need to submit all written documentation to your insurer.