What you need to know BEFORE you
purchase Travel Insurance.
Tips for Buying Travel Insurance
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What you need to know BEFORE you
purchase Travel Insurance.
There is really no good
reason not to purchase travel insurance. Can you afford to lose
your deposit or your entire cruise fare in the event of an
emergency or unforeseen event? Some people think that travel
insurance is only valuable for elderly travelers or those with
serious medical conditions that might impact their cruise. That
can be a costly misconception.
Here are just a few things that could happen to you:
insurance is even more important in a questionable economy.
- A medical or family emergency could prevent you from
being able to take your cruise.
- Your home could be severely damaged by fire or flood
within a few days of your scheduled departure causing you to
miss your cruise, or this could happen while you are at sea.
- Jury duty or a court appearance could interrupt your
- You could be involved in accident on the way to the
- The cruise line could experience a problem (such as
going into bankruptcy) which would cause you to miss your
trip and potentially lose your cruise fare.
- An airline scheduling or flight problem could occur
causing you to miss all or a portion of your cruise.
- You could experience a medical emergency while on your
cruise that could result in costly medical care or even
costly evacuation from the ship via helicopter or boat. In
most cases, it is better to buy travel insurance from an
independent company through your travel agent as opposed to
the insurance offered by the cruise line. The independent
insurance companies provide more coverage and are generally
less expensive. Be aware, coverage and rates may vary by
state. Ask your travel agent for a quote for your particular
cruise and your state of residence.
In some parts of the world, you may not care to receive medical
treatment from sub-standard medical facilities. Once your
insurance company verifies your medical condition, they will
authorize evacuation, the method of which is generally arranged
by the insurance company. Lost/damaged baggage coverage is also
good to have If you have a pre-existing medical condition (one for which you
have received treatment within the 60 or 90 days prior to
purchasing the policy), you should check to make sure that your
policy covers you. Pre-existing conditions can also apply to a
family member at home whose death or illness may cause you to
cancel your cruise. Therefore, if a family member at home dies
during your cruise as the result of a pre-existing condition,
your trip interruption coverage may not reimburse. To be safe,
you should question your insurance company and request
confirmation in writing if you have such concerns.
Trip insurance is typically based upon the total cost of
your vacation (airfare and cruise). Of course, you can purchase
less protection if you wish. For example, if your total cruise
and air costs are $6,000, you could purchase a total of $4,000
in coverage and take the $2,000 risk yourself. This could lower
your insurance costs and still cover you for most of your
outlay. It should be noted that your policy will only reimburse
you for your actual cost of your cruise. Therefore, you should
not purchase a $5,000 policy if your cruise only cost $2,300.
The insurance company will reimburse you for your total cruise
fare less any refund paid by the cruise line.
Some insurance companies will offer different types of coverage
under separate policies. This allows you to purchase only the
insurance that you feel you need. However, most companies offer
complete insurance packages. We highly recommend that your
policy cover, at the very least, trip cancellation/interruption
and emergency medical and health expenses including medical
evacuation. The cancellation/interruption should cover the
insured traveler and companion (s) against potential loss
resulting from death, injury or serious illness. It is common
for most policies to also protect you from loss in the event of
death, injury or illness of a close family member. Emergency
medical evacuation coverage will pay the costs of transportation
from the ship to a location where quality medical care can be
Some travel insurance companies automatically include unlimited
access to a 24-hour hotline for after-hours travel assistance
for requests such as last-minute flight changes, hotel, and
rental car reservations. These companies also provide assistance
with travel emergencies such as doctor or dental referrals,
emergency cash transfers, replacing lost or stolen credit cards
or travel documents, travel safety advisories, e-mail and phone
messaging to friends and family, and lost luggage tracing, You
should check your individual policy for detailed information on
how remedies are handled. Some occurrences will be
remedied with a 100% cash refund while others are remedied
with 100% cruise credit toward a future cruise. Your vacation can take several
years 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 do something to help cover your
travel investment - buy travel insurance.
CONSUMER TIP: All prospects for purchase of
travel insurance should fully understand the coverages,
monetary limits and restrictions that apply to travel
insurance before making any decision to purchase.
For details of what is covered please
read the entire "certificate" carefully before making any
insurance purchase. The information on this web page is not a
recommendation to buy travel insurance. That decision is
just up to you. So, do your research and due diligence
before making any purchase. To find out which insurance plan
is right for you, select "Get
A Quote" today! When using this link you will be
taken to Travel Guard's website. Travel Direct Corporation
is not responsible for third party web sites. We provide
this link for informational purposes only only as a convenience to our guests. Should you
decide to make a purchase, the arrangement is strictly
between you and Travel Guard. Contact them if you have any
questions or need further assistance. Their phone number is:
Be sure to mention code 00528953 to get the most up-to-date
pricing and coverage
Don't get left high and dry on your next vacation.
Cover your next trip with travel
find out which insurance plan is right for you, select "Get
A Quote" today!