In addition to what most policies provide--trip interruption, travel delays, baggage loss, emergency medical expenses and medical evacuation, here are some suggested questions to ask when calling an insurance provider:
1. Will the policy cover loss due to default or bankruptcy of travel suppliers?
2. Does the policy cover travel delay due to weather or other unforeseen circumstances?
3. Will the policy cover cancellation charges and expenses due to injury or sickness of your traveling companion though he/she is not your family member?
4. Will the policy cover cancellation charges and expenses due to injury or sickness of a member of your immediate family though he/she is not traveling with you?
5. Will the policy cover cancellation due to outbreak of strike, riot or civil disturbance at your destination or places en-route?
6. Does the policy cover loss or injuries due to war, acts of terrorism, hijacking and natural disasters?
7. Will the policy cover cancellation due to any natural disaster happen to the insured person's residence before or during your journey which requires your presence on the premises?
8. Will the policy cover breakage or damage to fragile articles or documents in your luggage?
9. Will the policy cover loss of travel documents, and/or travel tickets and additional travel & accommodation expenses incurred to replace them?
10. Can I cancel my policy if I am not satisfied?
Why Buy Travel Insurance?
At Travel Guard they understand that your vacation can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can help cover your investment by buying travel insurance.
Travel insurance can provide you with the best coverage for medical expenses, trip cancellation, interruption, baggage damage, medical evacuation, and much more. Plus, with every Travel Guard insurance plan you will also receive 24-hour travel assistance.
What's New In Cruise Travel Insurance?
Norovirus Coverage: Some Insurers offer coverage if you get sick from a Norovirus while onboard the cruise ship.
Job Loss Protection: Some Insurers offer added job loss protection, allowing you to cancel for a full refund if they or a cruise companion loses their job and can no longer afford a vacation.
Storm Watch Protection: Some Insurers offer severe weather watch/warning protection that provides reimbursement in the event of a severe weather watch or warning within 48 hours of your cruise sailing. Should the watch or warning affect either the cruise departure city or a passenger's route to that city, cruise travelers ( who purchased this type of coverage ) can cancel their cruise and receive reimbursement up to the full amount of the cruise cost.
Cruise Traveler Magazine
To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.
- It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
Q. Why should a traveler buy
A. Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.
Q. What happens if a traveler
must cancel their vacation?
A. Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan through can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.
Q. How does trip cancellation
and interruption coverage work?
A. It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.
Q. What other coverage is
typically included in an travel insurance
A. In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.
Q. Does travel insurance
A. Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance from some suppliers can cover terrorist incidents both in the United States and abroad.
A. Many retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.
A. Yes. Travel insurance plans sre offered for an array of budgets, from modest trips to high-end luxury vacations. There are also products for last-minute getaways and extended trips, and specific coverage plans for cruise travelers, golf travelers, students, and sports travel.
A. The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.
Here is an
informative excerpted article by
Alfred Borcover of the
about why you should consider trip
insurance. The complete
article was published in the
If there are any lessons to be learned from the recent demise of four cruise lines that impacted thousands of travelers, they are:
A few years ago, Commodore Holding Ltd., parent company of Commodore and Crown cruise lines, canceled future cruises on three ships and filed for bankruptcy. Last September, Port Canaveral-based Cape Canaveral Cruise Line folded. A week later, Premier Cruise Lines, a budget-oriented operation also based at the port, suddenly ceased sailing when the investment bank of Donaldson, Lufkin & Jenrette, which was keeping the line afloat with about $55 million in loans, pulled the plug and left 2,800 passengers with abbreviated voyages or no voyages at all.
So there you are, on a cruise having a blast, or eagerly awaiting your trip of a lifetime. And all of sudden, your vacation is in the tank. And you've already paid thousands of dollars for your dream trip...........
What's a person to do? Who can you scream at first? Well, if you opted not to pay by credit card and then declined to buy trip cancellation and interruption insurance that includes trip cost financial default protection, you might as well scream at yourself. A defunct cruise line or tour operator won't be around to listen. And there's nothing your travel agent can do.
On the other hand, if you pay for your cruise or tour by credit card and you buy trip cancellation insurance, you have fall-back positions. People also buy travel insurance for the other coverages policies provide--trip interruption, travel delays, baggage loss, emergency medical expenses and medical evacuation.
When a cruise line or tour company goes under and you have paid by credit card, the best thing to do is not get hysterical, but prepare to take action. While your agent can help you, you can help yourself by having your payment records ready. If you charged your trip, start by contacting your credit-card company.
"Under the Fair Credit Billing Act , it would be considered a billing error if the product, or in this case the cruise, was not delivered as agreed," said Cindy Liebes, an Atlanta-based attorney for the Federal Trade Commission, which oversees the act.
"The law says you only have 60 days from when the original charge showed up on your bill to make a claim," Liebes said. "But many credit-card companies will often honor those billing errors after the time limitation. So we usually advise consumers to try to charge it back [seek a refund] and see what happens. Legally the charge-card company is not obligated to honor the claim, but they will."
Liebes said consumers also can try to get refunds under the "claims and defenses" provision of the Truth in Lending Act, but it has complex limitations too. "There are a couple of things we usually advise consumers if they call," Liebes said. "Buy trip insurance -- definitely not through the cruise line, but through the insurance company or the travel agency. And if something happens, go through their credit-card company to get a chargeback. If you get a letter back saying 'no,' keep fighting. The squeaky wheel often gets oiled."
( End of article )
Hint: To be sure you are getting the kind of coverages you want, read all the fine print and understand fully the benefits and limitations of the policy on offer, before you buy.
Choosing cruise insurance
Do you need cruise insurance? You betcha!
"In the 16 years I’ve been cruising, I’ve seen many people fall ill and be taken off the ship in port or even evacuated at sea by helicopter. While I have always hoped for their speedy recovery, I have also wondered if they had purchased travel insurance. It’s certainly tempting not to. How many times have you returned from a trip safe and sound and kicked yourself for spending a couple of hundred bucks to insure against some calamity that never transpired? (Plenty, God willing.) But it only takes once, and it doesn’t have to be much of a calamity to deep-six your sizable cruise investment. A jury summons can do it, or an attack of appendicitis, or a missed connection on the way to the ship".
Read the article: http://www.msnbc.msn.com/id/12465045
Please note: Coverage can vary by plan. Specific use of language, legalese and descriptions can vary by plan. Please contact your insurance provider and ask to read their plan's "Description of Coverage" for details, eligibility and limits. Not all companies cover all items listed here. Not all companies have the same descriptions as shown here.
Accidental Death & Dismemberment
An accident that takes place on a trip that results in death or loss of body parts
Adventure Sports Coverage
Coverage for activities considered to be higher risk, like snow boarding or skydiving.
Provides trip interruption, medical evacuation and medical expense benefits for losses caused by many adventure sports activities typically excluded in most travel insurance plans. These activities include mountaineering up to 4,500 meters, aviation, hang gliding, skydiving, parachuting, bungee jumping, snow skiing or snowboarding, spelunking, water skiing and jet skiing.
Having your baggage redirected to a different location or it arrives late to your destination
Typically an insurer will reimburse the insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the insured during the Trip, if the insured’s baggage is delayed or misdirected for more than 12 hours from the time the insured arrives at the Destination (other than the insured’s return destination) provided the insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier.
Baggage & Personal Effects Loss
Loss, theft, or damage that occurs to your luggage and travel documents while on your trip
Typically an insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for loss, theft, or damage to the Insured’s Baggage and travel documents during the Insured’s Trip. The Insurer will also pay for loss due to unauthorized use of the Insured’s credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.
Cancel For Any Reason Coverage
Coverage for not being able to take your trip for any reason not otherwise covered in a travel insurance plan
If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, typically an insurer will reimburse the Insured for up to 75% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met:
a. the Insured purchases the Cancel for Any Reason benefit within 15 days of the date the Insured's initial Trip payment or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
b. this insurance coverage is purchased for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and
c. the Insured cancels the insured Trip not less than 48 hours prior to the departure date.
Trip Cancellation/Interruption Due To Work Reasons
Coverage due to unexpected work obligations that come up and prevent you from traveling
Typically an insurer who offers Trip Cancellation/Interruption Due To Work Reasons coverage will be extended for these additional unforeseen circumstances if the insured or a traveling companion:
a. Is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer;
b. Is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
c. Company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.
Children at No Additional Costs
Children under the age of 17 and related to the primary insured are covered at no additional cost.
"Immediate Family Member" means the Insured’s or Traveling Companion’s spouse or Domestic Partner, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, caregiver, legal ward, or Domestic Partner of any of the above.
A request for payment in accordance with an insurance policy
Claim Procedures: Notice of Claim:
The Insured must call the Insurance Company as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e., Medical Expenses), the name of the company that arranged the Trip (i.e., tour operator, cruise line, or charter operator), the Trip dates, and the amount that the Insured paid. Typically, the company will fill in the claim form will need to be filled outand forward it to the Insured for his or her review and signature.
The length of time that you are traveling and your travel insurance plan can cover you
Persons eligible for insurance under the policy are any traveler(s) who purchases his/her insurance through or from a properly licensed agent/agency located in the U.S., who enrolls for coverage and pays the plan cost, providing he/she has not already departed on his/her Trip.
The Trip Cancellation Benefit is effective at 12:01 a.m. Standard Time on the date you purchase and pay for the plan and all over coverages begin on the date you begin your trip.
Effective Date: Trip Cancellation Benefit will be effective 12:01 a.m. Standard Time on the date after becoming enrolled and plan cost is paid. All other coverages will begin on the later of: a.the date and time the Insured starts his/her Trip, or b.the scheduled departure date shown on the Enrollment form.
Medical Expense Coverage
An unexpected medical emergency that may occur while traveling and requires visiting a doctor or a hospital
Typically, the Insurer will reimburse the Reasonable and Customary Charges for Medically Necessary Covered Expenses incurred by the Insured due to an Injury or Sickness within one year from the date of Injury or Sickness provided initial treatment was received during the Trip up to the Maximum Limit shown in the Schedule of Benefits.
Emergency Dental Coverage
Coverage for an unexpected dental emergency that may occur while traveling that requires visiting a dentist or a hospital
Means charges incurred for the following service, supplies or treatments:
1.Emergency dental treatment received during a Trip limited to a maximum of $500
Emergency Medical Transportation
A medically necessary transportation or evacuation to a medical facility
Typically, the Insurer will pay up to the Maximum Limit shown on the Schedule of Benefits for Covered Emergency Evacuation Expenses incurred if the Insured suffers an Injury or emergency Sickness that warrants his or her emergency evacuation while on a Trip provided a Physician has ordered the emergency evacuation and has certified that the severity of the Insured’s Injury or emergency Sickness warrants such evacuation.
A tour operator or cruise or airline going out of business with or without filing bankruptcy
"Financial Default" means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom you purchased travel arrangements supplied by others.
Flight Accident Coverage
Coverage for an accidental loss that occurs while traveling by air
The Insurer will pay for the Insured’s covered accidental loss of life, hand, foot, or sight which occurred: 1.while he or she was riding as a passenger on or boarding or alighting from a Scheduled Air Carrier, and 2.within 365 days of the accident.
Severe weather that delays or cancels your insured travels
"Inclement Weather" means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier. With respect to an Insured who is traveling via private/non-commercial automobile transportation, any severe weather condition which prevents an Insured from reaching the Destination.
Being transported to an adequate medical facility or back home when medically necessary
Medical Evacuation — Arrangements for any and all means necessary to transport the Insured back home when medically necessary.
Any injury or illness you have and sought medical treatment for within 60 days before your travel insurance policy becomes effective
Typically, the Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of you, traveling companion, business partner or Immediate Family Member which, within the 60 day period immediately preceding and including your coverage effective date: first manifested itself or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or for which care or treatment was given or recommended by a Physician; or required the taking of prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.
The Insurer may waive this exclusion if the Insured meets the following conditions:
1.You purchase the program within 15 days of making the initial Trip payment;
2.The amount of Trip
Cancellation coverage purchased at that time equals the full cost of all pre-paid non-refundable trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver coverage;
3.You must be medically able to travel when plan cost is paid; and
4.Applies to the first $50,000 of Trip cost per person
The residence at which you mainly live, the Insured’s primary city and location of residence
Coverage for if your rental car is damaged due to collision or vandalism
Typically, coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible:
a.the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b.the Actual Cash Value of the car. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.
Any act of violence that results in loss of life or major damage from a person acting in a way to overthrow a government or gain control of it
"Terrorist Incident" means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.
Having to cancel your trip due to illness, death, or injury
Typically, the Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:
a. Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted;
b. Inclement Weather causing delay or cancellation of travel;
c. Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy;
d. the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
e. the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
f. a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace;
g. Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured’s coverage effective date or less than fourteen days after the Insured’s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received.);
h. the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned;
i. Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years;
j. the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date; or
k. being involved in or delayed due to a traffic accident en route to departure.
The total prepaid and non-refundable expenses already submitted toward the trip regardless of who booked the arrangements. This does not include estimated or anticipated costs that have not yet been paid.
Coverage for airline delay, weather conditions or lost travel documents that result in being delayed more than 5 hours
Typically, the Insurer will reimburse up to $200 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than 5 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Trip Delay must be caused by reasons listed under Trip Cancellation & Interruption, in addition to:
a. carrier-caused delay;
b. lost or stolen passports, travel documents, or money;
c. quarantine; or
d. Natural Disaster that causes a complete cessation of travel services at the point of departure or Destination.
The Insured Must: Contact the Insurer as soon as he/she knows his/her Trip is going to be delayed more than 5 hours. Failure to do so may affect coverage.
The first day that any money was paid for any part of your covered travel arrangements. This includes any monies paid to a travel agent, tour operator, or arrangements purchased directly by the traveler. The date of payment or deposit for any subsequent Trip arrangement(s).
Weather, strikes, illness, death, or injury that interrupts your travels
Trip Interruption Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted due to the unforeseen events shown at the beginning of this section.
a. forfeited, non-refundable, unused prepaid payments, made prior to your departure date; and
b. additional non airline transportation expenses incurred by the Insured, either
i. to the Return Destination; or
ii from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c. Additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the departure date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured’s original tickets were first class) by the most direct route, less any refunds paid or payable;
d. the Insured’s additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted, and the Insured’s Trip is continued.
Trip Interruption / Return Air Only
Coverage for additional airline expenses you incur while trying to return home
Trip Interruption – Return Air Only: The Insurer will reimburse the Insured for the additional airline transportation expenses incurred by the Insured to reach the Return Destination if the Insured's Trip must be interrupted due to one of the unforeseen events shown at the beginning of this section, up to the Maximum Limit shown on the Schedule of Benefits. The Insured must: Contact the Insurer as soon as he/she knows the Trip is going to be cancelled or interrupted. Failure to do so may affect coverage.
Medical Coverage Upgrade
Additional coverage amounts and services that can be added to some of our most popular insurance plans.