The year 2008 will be remembered as the year of high fuel costs and financial challenges for the airline industry, but for Conquest Travel Insurance and Travel Insured International, this is also a year in which the crucial necessity of trip travel insurance against natural disasters has been brought into focus as never before. Think about the year’s headlines. We have seen earthquakes in China and California, West Coast wildfires, hurricanes brushing Mexico, Bermuda and now threatening Florida, and several severe tornadoes damaging the Midwest and South. Also in the news, flash floods have forced the evacuation of tourists from the Grand Canyon. Did they all have trip cancellation insurance?
While no insurance policy can prevent an unforeseen natural disaster from disrupting a planned trip, a strong protection plan, such as one of Travel Insured’s Worldwide Trip Protector policies, can alleviate financial and, in some cases, medical damage these events can cause.
Here’s why it is important to you.
Our Travel Insurance plans can cover up to the full, prepaid cost of a trip that must be canceled due to an unforeseen disaster that either prevents you from traveling to the destination for 24 consecutive hours, or renders the destination accommodations uninhabitable. That seems to have happened a lot this year. It will also reimburse the added, unplanned expenses involved in either avoiding or escaping a destination on your itinerary when disaster strikes while you are in the course of the trip. Additionally, improved coverage now allows you to be fully protected by the same Trip Cancellation or Trip Interruption benefits when your own primary residence is rendered uninhabitable by a disaster even if your travel destination is unaffected! That’s what I call trip protection.
And, what if you had planned a golf cruise like we do as often as possible to Cozumel Country Club. Golf Travel Insurance is almost a necessity and it is often included in policies.
There is also the critical component of full Travel Insured Worldwide Emergency Assistance, Medical Protection and, when necessary, Medical Evacuation included in every Worldwide Trip Protector plan should a disaster result in your injury or illness while traveling. It is important to remind everyone of the following information on the U.S. State Department web site about overseas travel and medical insurance. Here’s what they say:
“Obtaining medical treatment and hospital care abroad can be expensive, and medical evacuation to the U.S. can cost more than $50,000. Note that U.S. medical insurance is generally not accepted outside the United States, nor do the Social Security Medicare and Medicaid programs provide coverage for hospital or medical costs outside the United States.”
Finally, there is the less urgent, but still important, baggage loss or delay protection that provides financial reimbursement should your bags be part of the temporary or permanent baggage misdirection that frequently results when a natural disaster strikes common transportation carriers.
It’s important that you know as much as you can about Trip Cancellation insurance plans and we are happy to be able to provide you with that information. We’re just here to help. If you are ready to compare prices or
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