Why Your Primary Residence State is Important When Purchasing Travel Insurance
Whether a person travels within or outside of his or her primary state of residence, travel insurance can save that person a lot of headaches and money in the long run. Travel insurance offers financial and other forms of coverage for a variety of incidents that can take place, such as:
– Illness and Injury
– Property Theft
– Lost Luggage
– Travel Delays
– Lodging Problems
– Trip Cancellation
– Inclement Weather
– Natural Disasters
– Terrorist Actions
Trip protection may also cover a variety of other emergency services that are often needed while traveling, including 24-hour customer support assistance for medical referrals, medical evacuation and even legal aid.
Common Primary Residence Concerns
The location of a traveler’s primary residence is important for many reasons:
– It dictates the type and level of plans available.
– It determines benefits, coverage levels and their state specific terms and conditions
– It determines if coverage is available in other states and countries.
– It controls the cost of available plans.
As with other types of insurance policies, every state has specific rules and regulations regarding the types of travel insurance that people can receive in that state. A traveler might find that only certain types and levels of coverage are permitted for purchase in the traveler’s home state. For example, whether a traveler can even receive out-of-state or out-of-country medical coverage as part of a trip protection plan depends a great deal on the location of the traveler’s primary residence. As a result, a travel protection plan offered to residents of New York might not be available to residents of Georgia. Additionally, a plan offered to citizens in the United States might not be available to citizens of Canada or Mexico.
Another Important Concern
A traveler’s residence can also prove to be critical to a traveler that needs trip cancellation coverage. Some insurance plans cover trip costs for travelers who makes a cancellation because of a natural disaster that takes place in the area of the traveler’s primary residence. Some plans also cover cancellation if a traveler must cancel after experiencing a serious life event at the primary residence, such as damage or destruction of the traveler’s home or business because of a natural disaster or accident and property theft.
Make sure to use your state of residence when quoting so you can be presented with applicable travel insurance plans for your state.