Travel Insurance 101

Canyon Creek Allstate Insurance

Travel Insurance 101

Since COVID does not appear to be going away anytime soon, I figured Travel Insurance would be good to discuss.

WHAT DOES TRAVEL INSURANCE COVER?

Travel insurance helps reimburse you for nonrefundable deposits and other costs related to your vacation if something goes wrong, such as lost or stolen baggage or unexpected medical expenses. To decide whether travel insurance is right for you, it's helpful to understand the types of coverage available in a policy. Most policies include the following types of coverage:

1. TRIP CANCELLATION COVERAGE: IF YOU CAN'T TRAVEL

When you have to call off your trip and you've already paid for nonrefundable tickets or put down deposits, travel insurance may help reimburse you for those costs.

2. BAGGAGE COVERAGE: WHEN YOUR BELONGINGS ARE LOST OR STOLEN

Baggage loss/damage coverage: If your bags are lost or stolen, you may need to replace the clothing and other items that were inside them. This coverage may help reimburse you for your personal items, up to a certain maximum amount, says the III. Baggage delay coverage: If your baggage is delayed or misdirected for 24 hours or more, this coverage may help reimburse you for the reasonable additional purchase of essential items during your trip.

3. EMERGENCY MEDICAL COVERAGE: IF YOU GET SICK OR INJURED WHILE TRAVELING

Emergency medical benefits may be helpful if you're traveling internationally or in remote areas. This coverage may help pay for: Prolonged stays in a foreign hospital, Airlifting after a skiing or hiking accident, Flight home if you're seriously sick or injured and more. 4. OTHER TYPES OF COVERAGE: TRIP INTERRUPTION, TRAVEL DELAY AND MORE

Depending on your policy, additional types of travel insurance coverage may be available. Some travel policies may also include: Trip interruption coverage, Travel delay coverage, Missed connection coverage 24-hour telephone assistance.

Call Canyon Creek Insurance agency (972810-4149) to discuss travel insurance if you have more questions.