Top Travel Insurance Agencies
Travel insurance coverage is important during your domestic and international trips.
Follow along with this brief guide to learn more about what travel insurance is, what the types of travel insurance are, and where to find the best travel insurance providers. If you are planning an amazing trip, you may not think about adding on travel insurance. For many people, travel insurance is only prioritized for further trips once something goes wrong. However, it can be one of the most important parts of booking travels. It can cover delayed transportation, cancellations, lost luggage, and emergency medical costs which would otherwise be very expensive. When you are considering travel insurance, it is beneficial to know what travel insurance is, the types of travel insurance, the benefits of travel insurance, and the best travel insurance providers.
What Is Travel Insurance?
Travel insurance is a type of insurance which covers losses that can occur during traveling. It is crucial to note that in most cases, your health insurance, your life insurance, and your home insurance will not cover you during travels. Your provider may offer coverage additions or further travel packages to cover you in traveling circumstances.
What Are the Types of Insurance?
An insurance provider may provide three different types of travel insurance or packages offering a combination of health insurance, travel life insurance, cancellation or interruption insurance, delay and cancellation insurance, and lost baggage insurance.
Travel Health Insurance
If you are traveling outside of the United States, it is imperative to have travel health insurance as any governmental Medicare program or health insurance covers care in the United States. They offer very little to no coverage outside of the country. If you experience a medical emergency in another country, you do not want to be stuck paying exuberant fees for ambulance costs, emergency room fees, hospitalization, clinical care and treatment, or medicine. Since an illness or injury can happen unexpectedly, the cost of travel health insurance is worth the peace of mind you will receive. The CDC, the WHO, and the U.S. Department of State recommend purchasing travel health insurance prior to booking your trips.
Travel Life Insurance
Although no one wants to think about an unexpected death, especially when planning a wonderful vacation or getaway, it is always good to be prepared in case of an accident. While you may already have life insurance, it may not cover the cost of bringing remains home which can land on close family and loved ones.
Travel Cancellation or Interruption Insurance
When you book transportation, accommodation, and amusement during your trip, such as airfare, hotels, tourist attractions, and concerts, your bookings and tickets may not be fully refundable. If an unexpected event occurs, you may be forced to cancel your trip without receiving refunds. Likewise, if you are forced to cut a trip shorter, you may not receive refunds for your unused portions. To avoid these unfortunate circumstances, you can purchase a travel cancellation or interruption insurance plan.
Delay or Cancellation Insurance
In some situations, a trip cancellation or interruption is not issued by you. For instance, your airline may delay or cancel a flight. Although many airlines may provide compensation if a flight is delayed or canceled, every airline company is not obligated to do so. If you have a long delay, you may need to pay for accommodations while you figure out an alternative way to get to your destination or to travel home. A delay or cancellation insurance plan can provide coverage for the unexpected expenses.
Why Is Travel Insurance Beneficial?
When you are traveling, you may not wish to think of everything that may go wrong. Fortunately, when you purchase travel insurance, you do not have to think or worry about many unfortunate scenarios. If they do occur, you can rest easy knowing:
You are covered for medical emergency evacuation, transportation, care, and treatment
You are covered in case of lost or stolen baggage, purses, wallets, or passports
You are covered for credit card fraud and replacement
If you rent a car during your travels and the car is damaged in an accident or stolen, you will be covered for rental vehicle excess
If you must change your trip itinerary due to unavoidable causes, you will be compensated for your losses.
Your personal liability is limited if you accidentally cause damage to another person or their possessions
What Are the Best Travel Providers?
If you already have an insurance provider, you may inquire if there are any add-on travel insurance packages or special deals available for adding a travel insurance plan onto your services. However, if you are shopping for a brand-new travel insurance, you may wish to look into the following popular providers:
If you are planning to travel by travel/camping trailer, motorhome, truck camper, or van camper, State Farm can assist you with travel insurance plans. Their insurance plan covers bodily injury in an accident, damage in an accident, injury to someone else or damage to another’s property in an accident, emergency roadside service in case of a breakdown, and theft, fire, and vandalism. You may use this type of insurance in conjunction with your regular insurance plans if you are traveling within the United States.
When you have a life insurance plan through AllState you may be eligible for Travel Assist. Travel Assist allows you to access medical and travel assistance services worldwide such as emergency cash and bail assistance, legal referrals, medical evacuation and transportation, transportation for minors, medical and dental referrals, medical care monitoring, dispatch of lost or forgotten medicines, and more.
If you are looking for a particular travel insurance package that can suit your preferences, Travel Guard may have a unique plan for you. You can choose from a Deluxe Plan, Preferred Plan, Essential Plan, Pack N Go Plan, Annual Travel Plan, Travel Guard Plus, Medevac Per Trip Plan, Rental Vehicle Damage Coverage, and Flight Guard.
USAA provides travel insurance plans for military members and their families. You can receive coverage for lost and delayed baggage, travel delays, missed connections due to delays, trip cancellations or interruptions, and medical emergencies. You can also benefit from their assistance services for medical and legal referrals, hospital admission assistance, and emergency evacuation or assistance.