Demont Insurance Agency Blog

Travel Insurance: Protecting Your Holiday Trip to Visit Family 

The holidays are the perfect time to travel home and spend time with friends and family members you haven’t seen in a long time. If you have already planned your trip, it is likely you are looking forward to hitting the road. But, are you prepared for the incidents and issues that could occur along the way?

There are so many things that can stand in the way of a pleasant holiday vacation from flight cancellations to medical emergencies and automobile maintenance. It can be challenging to plan ahead of every single mishap that may occur.

But if you have a travel insurance policy, you could avoid some of the issues that are a result of these cancellations and unforeseen medical problems. A good travel insurance plan can help cover the cost of your losses so that your trip can still go on as planned.

What Type of Travel Insurance Do You Need?

There are several different types of travel insurance that you can purchase for your upcoming holiday trip. All or a combination of two or more types of coverage offered through your local insurance provider. Here are the basics about the different kinds of travel insurance provided by most companies.

Canceled Trip Insurance 

A sudden canceled trip is perhaps one of the main concerns for every traveler. Everything from flight tickets to bus fares, hotel fees, and more may be lost if a trip is canceled. And many of these fees may not be refunded if the trip isn’t canceled within a specific time frame.

You invest a lot of money into your trip, and unfortunately, these expenses are often non-refundable. That means you take a risk losing a large amount of your vacation money if something unexpected happens and you must cancel your trip.

Some of the reasons why you may need to cancel your trip include:

  • Inclement weather such as a hurricane that causes damage to your vacation site or cancels your flight
  • Illness, injury, or a death in your family
  • If you are laid off from work or suddenly required to work
  • A terrorist incident in the destination city
  • If you are called for jury duty

If you have Trip Cancellation Coverage, you could receive payment for any non-refundable expenses you paid out. This reimbursement makes it possible to hold on to your funds even if you need to cancel at the last minute.

Medical Emergency Care Abroad 

You never know when you may need urgent medical care while on vacation. Even if you are in good health when you depart, you could still end up in an accident or suffer a terrible injury. And if you have a pre-existing health condition, your chances of needing medical care abroad are even higher.

Many people believe that because they already have health insurance, they don’t need additional coverage for medical emergencies while traveling. But, if you need to go abroad during the holidays, it would be in your best interest to take out this crucial form of travel insurance.

Even if you are covered for basic medical care overseas, your current health insurance company usually will not pay for you also to evacuate the area and repatriate you to your home country.

This is something you should keep in mind when considering what travel insurance coverage, you need.

Medical Expense Coverage will provide protection for accidents, injuries, emergency medical care and dental care needed while you travel abroad.

Coverage for Emergency Evacuations 

Emergency evacuations can be devastating to go through, not to mention expensive. It may not be too damaging to your wallet to pay for an airlift to a hospital or an ambulance trip if needed but getting your back home or on board a medically-staffed flight can be a hassle.

Emergency Evacuation Coverage can help pay for emergency evacuation if needed. This can cover airlifts or flights back home and will also pay to transport you back to the hospital of your choosing.

Lost Bags, Delayed Bags or Delayed Flights 

No one wants to lose their luggage or experience delays while they are supposed to be on a relaxing vacation. But these things happen far too often, and they can often cost you more than you want to pay.

Baggage Coverage can cover the cost of your personal belongings if your luggage is lost, stolen or damaged.

Baggage Delay Coverage will pay for the cost of essential items you need until your delayed baggage arrives. This includes additional clothes, toiletries and other things that you may need for your trip.

And Travel Delay Coverage is another essential form of travel insurance that all travelers should have. It offers reimbursement for additional expenses if you have a delayed flight. This could include paying for an extra night in a hotel or your meals at a restaurant.

Any trip can have setbacks, and when you prepare yourself with Travel Insurance, you can potentially save you the expenses that come with experiencing a hinderance to your trip.

To learn more about travel insurance, contact the professionals with Demontinsurance.com at (850) 942-7760. Our licensed insurance experts will be happy to answer any questions you have.

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