All about Travel Insurance

The travel season is upon us and people have already planned their trips near and far…but it’s easy to overlook those ‘what-ifs?’ when assuming all will go smoothly. Things can easily be overlooked…so what could possibly go wrong? Airports, train and, or bus stations find themselves crowded with vacationers, so it’s likely you will experience some delays or possible misfortunes of sorts; missing luggage, stolen credit cards and long lines. But in today’s world, you see… anything can happen; including sudden illnesses or deaths, and what about a Federal Emergency such as natural disasters, evacuations and mass shootings… these can turn your vacation into one bad reality. You must ask yourself the question “am I prepared if anything goes wrong?” These are a sign of the times, but many travelers are asking the obvious … ‘Is the travel insurance worth the extra dollars’; I believe it is today.

Let’s begin with a well-known insurance brand…Allianz Global Assistance (AGA), which offers a variety of plans; not just for travel. Allianz has a great history (125 years plus) and has been proven successful throughout its business years, while remaining one of the world’s strongest financial communities. Their Travel Insurance is a brand of AGA Service Company; from airline travel to rental vehicles, hotels, cruises, Ticketmaster and much more. Interruptions happen unexpectedly and can cause a real financial hardship for vacationers. Now if you are traveling in order to spend time with family and friends, from point A to B and that’s all, then it may not be worth it. If you are renting a vehicle in another state (not your own) then make sure you are aware of their Laws; currently 12 states have no-fault insurance laws. If you’re involved in an accident in one of those states, you must carry additional insurance to pay medical bills; known as ‘Med-Pay’ coverage and every No-Fault state’s rules are different; make sure you check this out prior to your arrival. Your own full coverage may not have the med pay, not to mention your credit card; which also offers additional coverage when using it for the rental, but doesn’t usually have med pay. Always check your insurance out first.

Insurance is big business today, but in a world where disruptions seem to happen often, it’s important to protect yourself and loved ones while traveling. A great link I found to compare policies is at https://www.consumersadvocate.org/travel-insurance/ . Be aware though, that TravelInsurance.com and insuremytrip.com uses Allianz and others while it does the comparison for you; they are not their own brand of Insurance Company. There is however a different kind of Company in which I researched and found it to be the most informative; while it’s a bit pricey I liked what they had to offer https://medjetassist.com/ for those interested in a peace of mind and travel security. This company specializes in the unexpected and has great testimonials; they offer Medical / Security / Crisis Response Memberships. I was amazed at what they offered and how well they serve their customers. Med jet Assist is an authorized Indirect Air carrier (IAC) in order to meet the needs of air ambulance transportation and provides all of the coordination of medical services for your flight. So for those who have had illnesses such as cancer (along with other diseases) and still want to travel, I couldn’t imagine not having Med Jet Assist. In fact, they offer corporate insurance as well as personal; with a variety of detailed options depending on the length of your trip, U.S. and International bound, and are available 24/7/365 for anything you may need. They offer different levels of memberships and as one person said “you never know what could happen on a vacation.”  One woman broke her leg while on a skiing vacation and Med Jet took care of all her needs and expenses; the benefits outweigh anything I’ve ever seen before, it looks great. They also created the membership…Med Jet Horizon, which adds travel security and crisis response service benefits. It’s an added layer of protection and is ideal for widespread coverage, including political threats, acts of violence and terrorism. They also include emergency medical cash advances; as not all hospitals take credit cards, depending what country you may be visiting.

So for those of you who are traveling or planning future trips…ask yourself, ‘how well is your plan if the unexpected arises.’ Booking travel these days can be a headache, but no matter where you are or where you might be going…there’s crap that just happens. Be prepared and think about spending a couple of extra dollars to protect yourself as well as your loved ones, we all need to protect ourselves today; Be Safe and Happy Travels.

 

Make your week count.

 

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