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Before you Jet Set, are you Covered?

June 30, 2015

Flight is booked, bags are packed, new passport is on the way…you’re all set for your dream vacation, or almost?  Travel insurance is often overlooked by travelers  as an extra expense or because they have the “I won’t get hurt” mentality.

Believe it or not, travel insurance can be a powerful tool for protecting you and your family while abroad.  With so many different types of coverage out there, it’s important to understand how travel insurance works, and how different types of coverage can be used in case of an emergency.

Shop smart with these tips:

Before-you-Jetset,-are-you-covered-

First, check your personal insurance

Check with your Founders agent to see if your health, home, auto, or life insurance policies include any type of coverage for traveling abroad.  You may be surprised to know that some policies offer travel liability coverage.  Bottom line, it is important to fill in any loopholes such as knowing where one policy ends and where buying travel coverage may be beneficial.

Know what can be covered:  

Travel insurance coverage includes the following categories:

  • Trip Cancellation or Interruption: As the name implies, trip cancellation insurance covers you in the event you need to cancel your trip. Purchasing insurance can reimburse you for the pre-paid, non-refundable portions of the trip. Trip interruption insurance covers you after your departure. If a loved one gets sick during vacation and can no longer attend an excursion, interruption insurance has you covered by reimbursing you for pre-paid expenses!
  • Medical: Say a family member falls during the trip and needs medical attention, what are you to do? Medical travel insurance provides coverage for medical expenses incurred during travel including medical emergencies, evacuations (needing emergency transportation) and accidents. Insurance providers often deny out-of-network care, especially abroad; with travel medical insurance you can ensure you will have access to quality treatment should an unfortunate event occur.
  • Baggage: Protect your valuables! Since so many people travel this time of year, it is possible your baggage could be lost or damaged. Baggage insurance can save you lots of money by reimbursing you a portion of the cost.
  • Flight Delay or Cancellation: Say you arrive to your connecting flight and find out it is cancelled, flight coverage reimburses pre-paid expenses and can even provide accommodation meals and new travel arrangements after being delayed a certain amount of time.

Before you book that dream vacation, give us a call  at (800) 351-0873. We’ll help you find the right travel insurance plan that covers all your needs while you are away.

June Russell

Platinum Accounts Manager

jrussell@foundersgrp.com

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