Travel Insurance and Evacuation Coverage

TRAVEL INSURANCE ENCOMPASSES MANY DIFFERENT PRODUCTS ESPECIALLY TODAY

The Insurance Information Institute, an industry group, categorizes travel insurance into four main types:

1. **Trip Cancellation/Interruption Insurance**: This coverage helps you recover your expenses if you need to cancel your plans or if a cruise or tour operator goes bankrupt.

2. **Personal Effects or Baggage Coverage**: This policy compensates you for lost, stolen, or damaged belongings while traveling.

3. **Emergency Medical Assistance**: This insurance covers healthcare costs abroad and expenses for emergency evacuations.

4. **Accidental Death Insurance**: This type of insurance pays benefits if you or a family member dies while on a trip. If you have health concerns, are traveling overseas, and your current insurance is unlikely to cover you, you should consider purchasing emergency medical assistance coverage. This is particularly important for Medicare recipients, as Medicare does not cover health expenses incurred outside the U.S., although some Medigap policies may provide this coverage.

SHOPPING FOR THE RIGHT TRAVEL INSURANCE COVERAGE AT THE RIGHT PRICE

If you decide to purchase travel coverage, it’s best to go through an independent third-party company. According to TravelSense.org (a consumer site run by the American Society of Travel Agents), there’s a risk in buying insurance from a tour operator or cruise line. They caution that “in most cases, coverage provided by the supplier won’t protect you if they go bankrupt." Interestingly, this advice can also apply to certain travel agency policies. As the advisor suggests, “If you’re going to buy coverage, avoid purchasing it through a travel agent.”

Healthy Traveler Clinic is always at the forefront of making sure our patient travelers always receive the best value for their travel funds. We want to offer you the widest variety of affordable choices in travel insurance needs. Our two insurance companies listed below offer a quick on-line registration and confirmation without having to fill out any additional forms.

Credit card guarantee is not necessary to schedule.