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Why Buy Travel Insurance

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:

  • 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 cruise.
  • You could be involved in accident on the way to the airport.
  • 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.
Trip insurance is even more important in a questionable economy.
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 obtained.
 
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.

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: 1-800-454-7107. Be sure to mention code 00528953 to get the most up-to-date pricing and coverage

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Travel Insurance Resource Center:

Click on these links for more information.

1. Top 10 Reasons Why You Should Purchase Travel Insurance

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling. Check out Cruise Traveler Magazine's Top 10 reasons why you should purchase travel Insurance.

2. Top 5 Frequently Asked Questions About Travel Insurance

3. Travel Insurance why buy? Why not!

Find out if it's right for you.

4. Top Ten Questions To Ask Before You Purchase Travel Insurance

5. Travel Insurance: Glossary of Terms

6. Consumer Alerts:   Must reads before making a purchase

7. Travel Insurance Articles:

Stories that may be of interest

8. What's New in Travel Insurance Coverage?

9. Travel Insurance Tips

 
 

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