Travel Protection Plans

7/28/2021 8:50:00 AM Link |  | Add comment

We know everyone hates to purchase insurance – but when you need it, it’s great that you purchased it.

Has anyone ever explained what a Travel Protection Plan really is?  It’s always offered on the internet, but I haven’t really found an explanation to purchase.

Some plans offer: cancel for medical reasons or cancel for any reason etc.

There are various types of policies you can purchase – but be sure you purchase something that covers medical and evacuation.  Due to unforeseen demonstrations, uprising situations, natural disasters this can be very necessary. For medical our US Medicare does not pay should you become sick or injured in a foreign country.  You need something else before you leave home. Always check your own personal medical insurance before traveling.

Most tour companies and cruise lines offer insurance but I recommend you purchase a different policy – one not operated by the supplier. If the one by the supplier is a good policy, offering what you need and I know the Insurance Company, then I will recommend it.

Example:

A family ready for their vacation, they have spent well over $4,500 for the trip.  Little Johnny get’s sick and they can’t take the trip.  No one explained that most of the trip and sometimes all of it is non-refundable.  Not even if a person gets sick or possibly an immediate member of the family passes away.  If you can’t take the trip then kiss that $4,500 goodbye.

If your Travel Professional explained all of this to you and you purchased the TPP, you can call her/him, or the supplier and cancel the trip.  File a claim form for your refund.

OR what if you were on your vacation and a member of the family with you got sick and needs medical treatment – that is included, or if a member of family at home got sick and you need to fly back home – the insurance company has an 800 number to call for emergencies.  They will help arrange to get you home ASAP.  You keep any receipts concerning the return home and they will reimburse you for expenses up to a specified amount. 

Example:

Yes, we have had people use this – one family a few days into their cruise; received a call that the gentlemen’s mother had unexpectedly passed away. Their air from the next port was arranged and they were taken to the airport for their flight home. Later they received a reimbursement check for the portion of the cruise they had not used. They continued to purchase insurance after that. Wouldn’t you?

Other option:

If you don’t care about the refund before traveling but would like a less expensive medical insurance – we offer that too.  Example: A woman was in Italy and had a stroke, she was hospitalized until ready to be transported home. Her companion, covered on the policy stayed with her. A nurse and the companion accompanied her home to the hospital of her choice. That was covered on her medical insurance purchased with her trip. 

I’ve always told my family if I pass away while on vacation – just put me in cold storage and enjoy the remainder of the trip. 

“I’ll keep until we get home and the insurance will cover the cost.”