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Customers always ask me how much they should put down to insure their trips. This is a very important question to consider. Firstly, because it directly affects the cost of your insurance policy and secondly because it will put a maximum on your trip cancelation and interruption benefit. First of all, you can only ever get back the non-refundable portion of your trip cost. And, you must be able to show the loss. For example, when I booked a trip to Europe some time back over a summer, I prepaid for all our hotels.

The refund policy was only 10%, so I could have insured 90% of the cost in that case. You must look carefully for the refund policy of all pre-paid costs associated with your trip in order to get this amount correct. AirBnB are not consistent across the same city, so you will have to assess this individually for each part of your trip. While some plans allow you to put down a total trip cost or an average trip cost per person, some will want you to be specific for each traveler. Make sure you keep track of costs accurately again to keep the cost of the insurance down and your refund as accurate as possible.

Technically, you can insure for any portion of the trip that you want. However, in order to get some benefits, some plans require that you insure all of your pre-paid, non-refundable expenses (such as the waiver for the pre-existing condition exclusion, ‘cancel for any reason’ benefit, or cancel for any work reason benefit).

You can buy it at any time before your travel dates, however, since you are insuring the value of your trip, the sooner the better in case something happens to interfere with your travel. For example, maybe you’ve planned a trip for next October. Then, you find out that you will be required to be in court at that time.

If you haven’t already purchased your trip cancellation plan, you will not be able to get the refund since you already know about this conflict. Furthermore, you always get a 10 day ‘look free’ period after you purchase your plan which gives you a few days to make sure you got the product that you really want.

Many plans will cover pre-existing medical conditions (that is, they will waive the exclusion of pre-existing medical conditions) if you purchase your policy within a certain number of days of the initial trip deposit. In that case, for older travelers or those with such conditions, it is advantageous to get the policy within their deadline to get the additional peace of mind of more complete medical coverage should something happen.

Of course, we hope that you get to go on your trip without a hitch and that you stay happy and healthy though your trip, but these policies offer you some peace of mind, that even if things go wrong; from the minor inconvenience of missing a connecting flight to the major headache of trying to find appropriate medical care in an unfamiliar country or finding you are not able to take your vacation as planned in the first place, you will be taken care of by companies that have experience and the ability to work abroad. Let us help you find the right plan for your situation at American Visitor Insurance!

Welcome to American Visitor Insurance! We are glad you found your way here. We are dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji. We offer policies for pretty much anyone traveling nearly anywhere! If you are an older US resident planning a trip (up to 99 years), we have a relatively new policy that you should consider. IMG has been in the travel insurance business for many years with travel and trip insurance products for all travelers.

Their latest trip cancellation plan is called iTravelInsured Choice Insurance. It is economically priced for trips that cost less than $10,000 per person (their other products can insure more expensive trips). While trip cancellation plans are often pricey, if you are an older traveler, they actually offer very competitive rates and often have much higher medical maximums and lower deductibles than straight travel insurance plans. Technically, you are not required to insure all of your trip or all your pre-paid non-refundable expenses. Minimum trip cost that can be insured is $500.

The most you insure for should be the total pre-paid, non-refundable portion of your trip cost. You will have to show your loss to get this benefit paid to you. Furthermore, if you go on your trip, this policy will provide coverage up to $100,000 for medical expenses as well as emergency medical evacuation of $500,000. There is no deductible on this plan. Also covered is baggage loss or delay, trip delay and trip interruption.

The reimbursement for the trip interruption benefit will be the proportion of remaining trip multiplied by the insured amount of the policy. The policy will also help with lost or stolen passports, credit cards, and personal items.

If you are looking to insure a trip outside the US and are dismayed at the low maximums available and high costs, particularly if you are over 80 years of age, we recommend having a look and thinking about choosing a trip cancellation plan like iTravelInsured Choice Insurance offered by IMG. It may give you a better rate and higher maximum than a plain travel insurance plan that does not include a trip cancellation benefit.

Welcome to American Visitor Insurance! We are glad you found your way here. We are dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji. We offer policies for pretty much anyone traveling nearly anywhere! If you are an older US resident planning a trip (up to 99 years), we have a relatively new policy that you should consider. IMG has been in the travel insurance business for many years with travel and trip insurance products for all travelers.

The plans offer a benefit called emergency medical evacuation. This benefit can move you from your cruise ship to the closest hospital that can attend you. It can also move you between hospitals if your current hospital cannot accommodate your needs. Also, it can move you to a hospital close to your home if a physician deems it necessary.