Don’t Get Left Behind This Summer
Travel insurance this summer is an essential part of any vacation or business trip. But what if you’re not covered? What if something happens? You need Travel Insurance!
Even if Your Credit Card Offers It for Free-not the same coverage
Summer Vacation Trip – Get Travel Insurance
Taking a trip this summer? Be sure to buy insurance to protect yourself. After spending most of 2020 and 2022 stuck at home, many people have been gearing up to take a big trip this summer. And given that more countries are finally opening their doors to travelers, the timing may seem perfect for a getaway.
There’s just one problem: The Covid-19 variant is currently causing a surge of cases not just domestically, but also abroad. In light of that, it’s more important than ever to purchase trip insurance if you’re going to travel this summer – even if you’re using a travel rewards credit card to book your plans.
Why travel insurance
is essential
When you book travel on a credit card, you’ll generally be entitled to some protection. For example, you may be covered for lost or stolen luggage, missed flights, or problems with your hotel booking.
But there’s one thing credit cards generally don’t offer great coverage for, and it’s medical care abroad including coverage for Covid-19. If you wind up falling ill during your travels and need to be hospitalized, for example, your Health Insurance may not kick in when you’re out of the country. And you could be on the hook for serious medical bills if you don’t have a comprehensive Travel Insurance plan. At a time when a highly transmissible virus is circulating, that’s a risk you can’t afford to take.
And
speaking of the current Covid variant, it’s causing
a lot of countries to implement
different restrictions. If things change in a manner that makes you no longer want to travel, you may be out of luck if you don’t have trip insurance.
On the other hand, it’s possible to buy travel insurance that includes a clause that lets you cancel for any reason. These plans do cost more than a basic plan, but they give travelers the most flexibility to call off their trips with minimal financial damage.
Generally, if you cancel a trip at the last minute because you simply no longer want to go, you won’t get all of your money back. Your credit card, however, won’t offer the same level of coverage as a travel insurance policy would.
Leave yourself with options
At a time when the coronavirus situation is still
evolving, it’s important to have options
with your travel plans. And
that’s where a good trip insurance policy comes in. Spend a little
time researching your choices so you can find the right one for you.
Travel is never cheap, and that’s especially true if
you’re flying to a destination far from home. For that reason
and plenty of others, savvy consumers tend to
pay for travel insurance before they
even head to the airport.
With a travel insurance plan, you can buy coverage that will reimburse if you if your trip is canceled or delayed for a covered reason beyond your control. You can even purchase “cancel for any reason” policies that let you back out of your trip any time you want.
Pay for sufficient medical
coverage and higher limits.
Even though travel credit
cards are pretty good about offering perks like trip cancellation/interruption insurance and baggage delay coverage, they’re
notoriously bad when it comes
to offering medical coverage. That’s a real problem if you’re traveling to a destination where your own
health insurance coverage won’t work, such as any trip abroad.
With travel insurance, however, you can buy a policy that offers a much higher limit for medical expenses such as $5 million. It wouldn’t take long to rack up huge medical bills if you wind up in the hospital due to illness or broken bones during your trip, but you can protect yourself with adequate travel insurance coverage that includes coverage for medical bills.
You need medical evacuation coverage
In
addition to medical coverage, you’ll want to make sure you have adequate coverage
for medical evacuation. This type of coverage will kick in if you become injured or ill and require emergency
transportation to get back home. This could
mean emergency evacuation in a plane or helicopter with a full medical
team, so it’s easy to imagine just
how much you’d be stuck paying if you didn’t have this type of coverage.
Most
credit cards don’t offer emergency evacuation coverage and ones that do may not offer high enough limits to help you
sleep well at night. If you’re worried about
the high cost of medical evacuation if you were to become sick or
injured overseas, you’ll want to buy travel insurance that includes
this benefit.
If you’re on the fence about whether
you have the coverage you need to protect yourself, you may want to buy a travel
insurance policy just in case.
Don’t assume travel
insurance covers COVID-related claims.
Call Glenn now for your Travel Insurance 1-888-256-8685
Travel Insurance for Vacation Trip available in Kitchener, Waterloo, Guelph, Milton, Mississauga, Toronto, Elora, Elmira, Listowel, Mitchell, Stratford, New Hamburg, Brantford, Hamilton, Burlington, Fergus, Oakville, and Cambridge area.
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