Factors to consider while buying travel insurance

Trip Cancellation Medical Insurance

Trip insurance plans are commonly known as trip cancellation or trip interruption insurance.

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Trip Cancellation Insurance

American travel medical insurance plans that we offer are designed to provide coverage for travel health coverage outside your home country, while Trip Insurance plans are for short term travel, vacations and tours and focus on insuring the cost of the vacation. This coverage is focused more on the health care expenses of the traveler, while trip insurance focus on the trip costs, airline expenses, hotel bookings, baggage loss, cruise bookings.

Some travel insurance plans includes medical benefits include coverage for medical expenses (pre-existing conditions may be covered), dental expenses, prescription drugs expenses, emergency medical evacuation. Cruise Vacation plans can also cover your losses (non refundable ticket costs) due to a trip cancellation, trip interruption, lost baggage etc.

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American Visitor insurance works diligently to provide travelers the best travel insurance options both in terms of coverage and price. The Covid19 pandemic has made it particularly important for travelers to take extra precautions and cover all facets of their travel. Given the rapidly evolving health and hence travel conditions, it is prudent for travelers in an event of emergency to be able to cancel their travel without much financial loss due to their trip costs. The financial costs of a cancelled trip can be best insured by the Cancel for any reason (CFAR) insurance option. CFAR insurance covers pre-paid, non-refundable expenses in a cancelled trip.

Trip cancellation insurance

Declare the precise travel days
Paying attention to the fine print while buying travel insurance. Some mistakes like a wrong travel date can cause problems in the event of a trip cancellation. While calculating the number of trip days be doubly sure that you get the correct number of days and the travel dates and travelers should consider the actual travel date. Also, do make a note of different time zones in the country of travel as this can impact travel dates.
Multi Destinations cover
When traveling to more than one country in your trip do make sure that the policy covers all the nations that are in the itinerary. Again, make a note of different time zones and its impact on travel dates.
Pre-Existing Medical Condition
Coverage for pre-existing medical ailments is very important especially for older travelers. It is very important to understand the correct coverage for pre-existing ailments as different travel insurance plans have different coverages for pre-existing ailments and the look back period.
Including extra riders in the insurance policy.
Traveling on an adventurous holiday is fun however if you have planned for activities that are risky, then you may want to check with the insurer for a specific cover that includes the activity you want to do during your trip. Activities like skiing, skydiving and bungee jumping are considered high risk activities. Check with the insurer if you can add an extra rider (cover) to the policy to have yourself covered for the complete trip.
Baggage coverage
Get clarify on the baggage coverage as expensive articles may not be covered unless they are specifically declared with the insurer. Most travel plans clearly state the amount that can be claimed as personal belonging. Calculate the approximate amount and choose a policy that suits your requirements. If you are carrying expensive items, it might be prudent to get specific coverage by paying extra premium for specific baggage items.
Coverage for burglary and theft
During the trip if there has been a theft of your belongings, make sure to have an official report of the theft immediately. Most insurance companies require the traveler to produce an official report of the theft to process the claim. A police case needs to be filed within 24-48 hours of the incident. So visit the nearest police station as soon as possible to get the theft report.
Missed Flight Coverage
Arriving at the airport well ahead of time is strongly recommended to avoid delays and missing flight. Missing the flight for any reason is usually not covered in the insurance policy. Leave home with plenty of time ahead of departure time. Missing flights always adds on to more inconvenience. You can always check with your insurer for missed flight cover in your policy.
Purchasing the travel insurance early
When you plan for a trip always include all the necessary travel documents at the earliest. It is advisable not to leave buying your travel insurance to the last minute. Trip cancellation insurance is available if purchased with a certain fixed days of paying the initial trip deposit. In the event of any unexpected cancellation of the trip you can be ensured that your trip would be covered to a certain extent.
Select the appropriate travel insurance deductible
The deductible selected impacts the cost of the policy. The lower the deductible the higher the insurance premium, the higher the deductible the cheaper the insurance premium. It is common for travelers to choose a higher deductible in order to get a cheaper insurance premium. Choose a deductible amount that best fits your needs.
quarantine coverage

There are several insurance companies who offer policies that are very attractive with affordable prices. However one should keep in mind that regardless of the price, travelers should ensure that they are insured completely. While most of the travel insurance covers have a list of trip cancellation benefits, Cancel for Any Reason can provide extra coverage that may be worth the extra cost.

Travel insurance that covers covid quarantine

International travellers can compare and buy the best Covid 19 Quarantine lodging insurance plans:

TrawickSafe Travels Voyager

  • Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (6 hours or more) is included in the basic coverage.
  • Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day).

TrawickSafe Travels Explorer

  • Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (12 hours or more).
  • Covid19 medical expenses are covered and treated the same as any other sickness.
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hth logoTrip Protector Insurance

  • Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay. Maximum - $2,000 ($200 /day )(6 hours).
  • Travel insurance for US Citizens and US Residents traveling outside US.
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