The risk of an unforeseen event is always present, whether you’re traveling within your home country or visiting a foreign nation. The Essential plan from RoamRight is a trip insurance package that gives you the peace of mind that you need during your travels. It provides coverage for several critical aspects of travel, and you can learn more about these below.
Trip Interruption Benefits
This travel insurance plan offers reimbursement if your trip is interrupted and you have to cut it short for one of the reasons that are covered. The reimbursement includes prepaid, non-refundable costs related to the part of the trip that you didn’t get to enjoy. You will also be reimbursed for airfare, including airline change fees. Some of the covered reasons include
- a natural disaster or severe weather;
- an order to evacuate the destination;
- you, a travel partner, a family member or a business partner die or become ill or injured;
- your travel host dies or is hospitalized; and
- your travel provider goes bankrupt.
Trip Cancellation Coverage
If your trip is cancelled for a covered reason, the trip cancellation insurance in the RoamRight Essential plan will reimburse you for non-refundable deposits made toward the trip. Along with the reasons covered for trip interruption insurance, some other covered reasons for cancelled trips include an accident on the way to the airport, job loss or jury duty. Although some limitations apply, you can upgrade this part of your coverage to include Cancel for Any Reason, which will reimburse you for a majority percentage of your covered trip expenses no matter the reason for your trip cancellation.
The medical benefits included in this trip insurance plan cover any medical costs that arise during your trip because of an unforeseen accident or illness. Some of the expenses that this covers include
- ambulance services;
- anesthetics, lab tests, treatments and X-rays;
- hospital stays and operating room costs;
- medications and supplies;
- physician services; and
- therapy services.
Additionally, pre-existing conditions are included when you buy the Essential plan within 21 days of paying the first deposit on your trip and if you insure all of the non-refundable costs. You also must not be disabled from travel when you buy the policy.
Emergency Medical Evacuation Coverage
The medical evacuation coverage protects you from unexpected emergencies that require your transport to the nearest appropriate medical facility or home if you become ill or are injured in an accident. RoamRight will make all of the arrangements for you.
Along with transport expenses, it also pays for medical supplies and other services used during the transport, including escort charges. If your dependent children are with you, it will pay for them to be transported home. If you are alone and hospitalized for more than one week, it will pay for a family member or friend to be transported to you.
Delayed or Lost Baggage Benefits
If your luggage is delayed, damaged, lost or stolen at any point during your trip, the Essential plan will reimburse you for the value of personal items. This includes personal effects that are damaged, lost or stolen as well as items that you have to purchase in the interim for lengthy baggage delays. Additionally, it reimburses the cost of replacing stolen credit cards and passports.
The amount that the plan will reimburse is limited, however. Some examples of items that have a combined maximum limit include
- ski equipment;
- sporting equipment;
- watches; and
- personal cameras, computers, radios and other electronic equipment and related accessories.
Although the RoamRight Essential plan has a comprehensive list of coverage, it’s important that you compare it with others to ensure that you’re getting all of the benefits necessary for your trip. Don’t forget to look at upgrades as well as read the terms and conditions before purchasing your travel insurance plan.