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Why Travel Insurance
For many years
now we have worked with individuals and families helping them
select a health plan that best fits their individual needs.
When traveling on vacation or for business many get confused as to
whether they need to purchase additional types of insurance to
help
 protect
them from unexpected financial losses. If you already have a
major medical health plan than you are most likely protected from
most medical expenses that are deemed medically necessary by your
health plan carrier.
For
those of you who travel outside your home countries borders you
may need to consider other International Health Plans depending on
the length of time that you will be gone as well as where you will
be traveling to. Major Medical Health plans should not be
confused with a Travel Insurance policy. Major Medical Plans
are designed to provide coverage related to expenses that arise
from illness or injury. The scope of coverage is broad and
inmost cases in the multiple millions in total coverage.
However they do not cover expenses related to traveling such as
lost luggage, trips being canceled, financial default of the
cruise line or tour operator and such.
Most
plans provide coverage on a 24/7 basis. Most will cover you
while you travel even if you travel abroad. However many
domestic health plans have their limitations as to how long you
can be outside your home country before the health plan carrier
requires some sort of change. If you plan to travel overseas
for any length of time then you probably should consider some type
of International Coverage. But this is not Travel Insurance.
Travel
Insurance is primarily designed to insure against a loss during
your planned trip due to cancellations, interruptions, or delays
for unforeseen reasons. Many people prepay some or all of
their travel and accommodations prior to departure. Travel
Insurance provides the vehicle to protect your investment in your
planned vacation or business trip by providing you protection from
unforeseen events such as cancellations, interruptions, delays,
some health issues, emergency evacuations, baggage loss and more.
You
can't afford to travel without it!
There are hundreds of circumstances that could cause you to cancel
your trip, return home early or even worse, force you to seek
emergency medical treatment while traveling. To demonstrate the
importance of purchasing travel insurance, here are 10 common
examples of what could go wrong. Incidentally, all are covered by
a Travel Guard travel insurance policy:
- It's 10
p.m. and your family arrives at the airport for a connecting
flight, only to find that your flight has been cancelled. How do
you get your family home?
- Your
traveling companion's bag was lost with his insulin inside. He
needs help to locate his bag as soon as possible and his
emergency prescription filled. Who do you call?
- Your
first visit to Europe, and your passport and wallet are stolen.
Where do you turn for emergency cash, and how will you get your
passport replaced?
- Your
spouse is involved in an accident and adequate medical treatment
is not available. Who will help arrange and pay for a medical
evacuation?
- If your
sister-in-law becomes seriously ill and you choose to cancel
your trip, what happens to your non-refundable deposits or
pre-payments?
- You
arrive in Jamaica and your luggage doesn't. If it's lost, who
will help you find it? If it's delayed, who will pay for your
necessities? If it's stolen, who will pay to replace it?
- Your
cruise line, airline or tour operator goes bankrupt. Who will
pay for your non-refundable expenses? Who will help get you to
your destination?
- You're
walking down a street in Rio and twist your ankle. Who can help
you find an English-speaking physician?
- Three
weeks before your scheduled arrival, a terrorist incident occurs
in the city to which you are planning to visit. Who will pay if
you want to cancel your trip?
- You are
at a beach resort in North Carolina, and you are forced to
evacuate due to an approaching hurricane. Who will help you
evacuate and who will reimburse your lost vacation?
Why
Travel Guard?
Not all travel insurance companies are the same!
When
purchasing travel insurance, it's important you look closely at
the coverage's and services you'll receive. Here is a quick
summary of what makes Travel Guard different than the competition:
Broadest
protection available - Travel Guard's policies include the
broadest coverage you'll find in the industry. Bottom line: they
cover more unforeseen reasons for trip cancellation, interruption
and delay than any other travel insurance policy!
Exceptional customer service - They take great pride in
providing the high levels of service for which they've built their
reputation. When you choose Travel Guard, you can expect:
- Policies
to be issued within 24 hours of the application being received
- All phone
calls answered within 30 seconds
-
Assistance 24 hours a day, 7 days a week, 365 days a year
- A zero
defect tolerance for customer satisfaction
Fast,
fair claims service - You won't find a faster, more accurate
claims process than you will with Travel Guard. Their claims
process standards include:
- All
Claims reviewed by an experienced analyst within 24 hours
- Claims
payment is finalized within 24 hours of receipt of final
documentation
- 100%
correct payments and calculations on all claims
- The
"Fairness Principle" - all denied claims are sent to a
mediator for review and the mediator's decision is honored.
The best
travel assistance service in the industry - Travel Guard
provides its policyholders free 24-hour emergency travel
assistance. Whether you need help finding medical care halfway
around the world, making emergency arrangements to return home or
obtaining an emergency cash advance, you can access our toll-free
hotline from anywhere in the world, any time of day.
Choose from two
great Travel Insurance policies:
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