Travel insurance is a type of coverage that helps protect you if your vacation or business travel plans change. It also may provide medical coverage for emergencies that occur outside of your network.
There are a number of travel insurance coverages that are important to know as you compare plans and look for the one that best fits your needs. Keep in mind, that as travel plans may change, so may your coverage needs. A road trip to a nearby city may
warrant different coverage than an international adventure trip.
The benefits and features outlined below vary from plan to plan. You can click on each listing for a more detailed description of each travel insurance feature, including exclusions and limits.
It is always recommended that you buy travel insurance prior to your trip. There are many circumstances when travel insurance can come in handy before and during your travels, and it
is very common for travel to be complicated by the unforeseen:
Travel insurance provides pre-trip benefits, such as trip cancellation coverage, as well as on-trip benefits, such as trip interruption, emergency medical coverage, and more.
When you start paying for your trip, you should also purchase your travel insurance, as there are some benefits that are time-sensitive and must be purchased shortly after your initial trip deposit. Coverages, benefit limits, terms, and exclusion vary
from plan to plan, so you should be sure to read the policy details before purchasing.
If you have to cancel your trip for a covered reason before you depart, or if you experience a covered event while on your trip, you can file a claim for the covered expenses. Claims can be initiated and filed online, via mail, or via fax. The plan’s
policy language will explain when and if an event is covered; this is the document that the claims examiner will use to determine if a claim can be paid, along with any documentation you are required to submit in support of your claim.
When you have provided all of the necessary information, a claims examiner will then analyze your claim and issue a payment decision.
While every travel insurance plan varies, there are a number of circumstances that are not covered by most travel insurance plans.
These include losses due to:
For a comprehensive list of exclusions, you should consult the travel insurance policy prior to purchasing.
Travel insurance provides coverage for trips taken where the destination is 100 miles or more away from your home.
Every person’s travel scenario is different. If you are unsure if you should purchase travel insurance for your upcoming trip, you should consult with a licensed travel insurance agent by calling Arch RoamRight at 855-762-6744.
In general, travel insurance may be deemed unnecessary if:
Culinary travel and culinary tours are growing in popularity. How can a travel insurance plan provide protection for your foodie voyages?
RoamRight's Marketing Communications Specialist, Victoria Zidwick, has worked in the travel insurance industry for more than five years. She has traveled extensively throughout the United States and has a handful of international travel experiences.Victoria's travel experiences have changed in recent years, as her family grows and she is learning the ins and outs of traveling with children. Connect with Victoria on LinkedIn or follow her onTwitter or Google Plus.
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