The Importance of Travel Insurance

Posted on Sunday, July 12, 2009

An unexpected emergency or mishap can turn a dream of a lifetime vacation into a travel nightmare. Travel insurance is purchased to give you piece of mind. The purpose is to save you money, protect your vacation and make your trip memorable for you and your family.

Services offered include services of 24/7 agent for any last minutes changes, pre-trip travel advice such as what vaccines are required, embassy contacts, weather and currency information.  They also offer assistance for last minute changes, such as cancelled or delayed flights, making hotel reservations or ground transportation reservations. Benefits include coverage in the event of cruise line, airline or tour operator default (financial default non applicable to all suppliers) Coverage for sickness, injury or death of immediate family member. Terrorist incident that results in loss of life or major damage to property, by any person

With a good policy, you receive 24 hours assistance replacing lost or stolen documents such as visas, passports or tickets. Cash advance for travel or medical emergencies. They can also help you locate English speaking medical specialists, facilities and assistance with medical evacuations anywhere in the world.

They will provide you with baggage and personal effects loss coverage, baggage delay coverage and luggage tracing services. They have a bilingual staff for telephone interpretation for medical or legal emergencies.

If you purchase your travel insurance within 15 days of making your initial deposit your coverage will include pre-existing conditions which applies to the first $25,000 of trip cost.

Whether a child gets the flu, or a close family member has a medical emergency, travel protection has a plan that will protect you before or during your vacation. The right kind of insurance is essential. It will provide you with peace of mind, medical evacuation in case of an emergency, baggage coverage, flight delay and flight cancellation coverage.

In addition to these services some insurance policies also provide a concierge service which is available to assist you with restaurant reservations, event tickets, tee time reservations and floral services.

This is only a brief description of some of the benefits and travel services provided. All policies and coverage may vary, and may not be available in all states. There are also expanded coverage plans that offer business related covered reasons for trip cancellation and interruption, and other that let you cancel for any reason.

At times it is best to purchase the insurance with the tour operator or cruise line as part of your package, where on other occasions you can save money and get better coverage medical and evacuation coverage. An experience agent can explain your options to that you can purchase the best policy for your individual needs.

Good travel insurance isn't always expensive. We have negotiated excellent policies exclusive to Atlas, where rather than paying by age, which can add up for seniors, everyone is charged a flat amount base on the cost of the trip.