Travel Health Insurance

   Travel insurance protects you against financial loss if you are forced to cancel, delay, or interrupt your vacation. It can protect you against the loss of non-refundable travel costs, such as airfare, hotel, and tour expenses. Other types of travel insurance offer you protection against loss due to medical emergencies, damage to personal property, and even a death that may occur while on vacation. When you are planning your travel arrangements, it's also a good time to evaluate your need for travel insurance.

    Travel insurance is purchased by travelers to cover unforeseen health/medical problems while outside the scope of their personal insurance coverage.
   Most travel insurance coverages are found in one or more of four general types of policies:
Package: the most popular type of travel insurance. Package plans are designed specifically for a single trip. They are ideal for cruises, tours, air trips, vacation home rentals, whether foreign, domestic, or for leisure or business travel.
This type of plan is pre-bundled by the insurance company and provides a wide range of travel coverage such as:

trip cancellation,
trip interruption,
travel delay,
baggage and personal effects,
baggage delay,
emergency evacuation,
travelers assistance,
medical expense.

In addition, some plans may include, or offer as an option, Accidental Death, Flight Accidental Death, and Rental Car coverage.

This type of insurance is usually rated based on 3 factors:

your age today;
the cost of your trip; and,
the length of your trip.

Medical: travel plans are specifically designed to provide medical coverage while you are on your trip. Many group and individual health insurance plans either don't cover you outside your coverage area or will restrict coverage to emergencies only. We strongly recommend that you call your health insurance provider to determine what you will be covered for before deciding on the amount of coverage to buy.

Flight Accidental Death: travel plans that include a limited form of Accidental Death coverage providing protection while you are boarding, alighting from, or riding as a passenger on a scheduled flight of an airline. Some plans include coverage as part of a package of insurance and others offer it as an option. Coverage is available up to $1,000,000.

Medical Evacuation/Repatriation: travel plans that either include or have been specifically designed for medical evacuation/repatriation coverage. This coverage is designed to evacuate a seriously ill or injured client to the nearest medical facility and, in some cases, then back home.

   Travel insurance polices are not all the same. Before you buy, be sure to review the policy, especially the list of covered reasons for canceling your trip. For example, a travel insurance policy may not reimburse you if you decide not to make a trip because a conference was canceled.