Summer is right around the corner and you’re planning the family vacation – perhaps it’s a trip to Southern California visiting Disneyland and Universal Studios and riding the waves of the Pacific Coast, an overseas trip to Barcelona and Paris, or a long-awaited break with your partner to Costa Rica or Croatia. Whatever your plans, be sure to include obtaining Travel insurance on your to-do list. The last thing you want is for something to come up that causes you to cancel your trip; or get sick while on vacation and need medical care. Why risk losing money or having to pay out of pocket for expenses that could be covered under a Travel insurance plan?
Travel insurance is available wherever you go – in and outside of the United States. Plans are available to protect you from specific financial risks and losses that can occur while traveling. These losses can be minor, like a lost or stolen suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas. Having coverage for medical emergencies (typically available up to a certain amount), particularly overseas, is an important piece of Travel insurance in large part because most U.S. health plans don’t cover you abroad. This means if you break your leg or catch pneumonia in a foreign country or on an international cruise without Travel insurance, you would be responsible for the entire bill.
In addition, Travel insurance, depending on the plan, can provide you with access to services from travel counselors who can help you with such things as arranging medical treatment in an emergency, monitoring your care, serving as interpreters, replacing lost passports, and more. With a good plan, you can also have 24/7 access to travel counselors for help with booking rental vehicles, restaurant referrals and reservations, and adjusting hotel or lodging accommodations.
It’s important to note that the benefits you receive with Travel insurance vary widely, based on the plan you purchase. You can opt to buy a per-trip Travel policy or an annual policy to cover multiple trips. Also, Travel insurance is designed to cover specific unforeseeable situations, events and losses as outlined in the plan.
Owens Group offers a number of Travel insurance options and is available to go over each plan to determine the best fit to meet your needs. If you have an upcoming trip in mind and would like a quote, please contact Michelle Clark at 201-408-3510, or Victoria Cioce at 201-408-3509.