Don't leave your health to chance...

Don't leave your health to chance when traveling

 

Our travel insurance plans offer comprehensive international travel medical insurance that includes medical evacuation and many other benefits. This means that if you suffer a unexpected illness or injury during your trip, you'll be covered up to the plan limits. Coverage is even available for your pre-existing conditions. Enjoy your travels with the peace of mind that comes with having travel insurance.

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Whether it’s a vacation of a lifetime or a cross-country trip for a cousin’s wedding, you may be wondering when or if it’s worthwhile to buy travel insurance. Probably the best answer is that it depends on what you can afford to lose. By understanding what travel insurance is and what it covers, you’ll be able to make the best decision on whether to buy it.

 

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What travel insurance coverage should you get?

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Before looking into travel insurance, think about the reasons you might cancel. Is a trip delay due to weather going to dramatically change your vacation? Is it possible your school year will be extended, or you will need to take a work-related trip instead? Are there acts of war in the country you’re going to visit? Are you nervous about the CDC issuing a travel warning for your vacation destination? 

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These are all valid reasons for cancelling a trip or wanting insurance coverage. But not all travel insurance covers these concerns.

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Cancel for any reason insurance

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When you buy this coverage, if you want to cancel because you have a hangnail, go ahead. The insurance company usually doesn’t need a reason. They just need you to cancel within the specified time frame, typically at least 48 to 72 hours before you depart.

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You’ll trade convenience for a lower reimbursement level. With cancel for any reason insurance, you’ll get a percentage of your pre-paid, nonrefundable trip costs back, around 70%, without having to give a reason. You can sometimes purchase this as a standalone policy or as a rider on a comprehensive policy.

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Comprehensive travel insurance

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This is the typical policy that people imagine when they think of trip insurance. The comprehensive policy usually covers delays, cancellation due to sickness or death, lost luggage and some emergency medical costs. Just read the fine print so you know exactly what it covers.