The Importance of Travel Insurance

MYTH: “NOTHING CAN HAPPEN WHILE ON A TRIP”

 This is one of the most common myths believed by the traveler.  You may have taken several trips domestically or internationally without incident; however in the case something does go wrong, what is the harm in being prepared. A missed flight, passport theft, sudden illness, accidents, trip cancellation due to an unavoidable reason are just some of the small reasons why travel insurance is necessary.  A War-hit country, natural disaster or terrorist attack could require evacuation, in this case you could stand to lose a substantial amount of money if you have not purchased travel insurance. 

Truth: You should consider purchasing travel insurance for every trip.

MYTH: “MY DOMESTIC HEALTH INSURANCE POLICY WILL COVER ME”

 Many travelers forego travel insurance with the wrongful impression that their health insurance policy will cover them in case of an illness while traveling. They aren’t entirely wrong in thinking so, as some medical insurance policies do provide coverage internationally.  However; if you require medical evacuation or medical transfers without travel insurance this would be an out of pocket expense. 

Truth: Travel Insurance provides coverage for Emergency Accident and Sickness Medical Expense as well as Emergency Medical Evacuation.

MYTH: “COLLECTING A CLAIM IS GOING TO BE IMPOSSIBLE”

Travel Insurance policies have been invented for the purpose of easing a traveler’s mental agony in case something goes wrong on a trip.  An efficient travel insurance policy ideally features an easy and hassle free process for the client to file and collect claim amount for any event that is covered under the policy like baggage loss, trip cancellation, medical emergencies, and more.

Truth: Travel Insurance provides coverage for Baggage loss and delay.

MYTH: “I’M NOT DOING ANYTHING DANGEROUS WHILE ON VACATION”

 The common myth of travelers is that travel insurance is only for the adventurous traveler or senior travelers. Not, true.  Travel Insurance policies are designed to meet the coverage needs of a wide variety of travelers.  In case you miss your flight, your baggage goes missing upon arrival, you are robbed of your wallet while on your trip, these are just a few of the common occurrences while traveling in which your insurance policy will help provide coverage for you, among other scenarios.

Truth: Travel Insurance provides coverage more than you realize.

MYTH: “I CAN BOOK MY TRAVEL INSURANCE LATER”

 So, you have booked your tickets and accommodations for your next trip; your agent recommends travel insurance and you think “I’m healthy, nothing happens to me, I’ll wait and decided later.”  Unfortunately, this thinking is not the best option.  So, a week before your trip is scheduled to depart, your travel companion/family has an unexpected accident and is admitted into the hospital, and your trip has to be canceled.  So what do you do now? What about all of your pre-paid flights and hotel bookings, if you had purchased Travel Insurance you would simply file a claim for covered reasons, rather than suffer the financial loss.  Travel Insurance varies depending on the insurance provider, generally speaking travel insurance should be purchased within 7 days of your initial deposit or before final payment is made, again depending on the policy.  

Truth: Travel Insurance covers unexpected illness/accidents prior to your travel date as well as while traveling.

MYTH: “THE AIRLINE WILL COVER ME FOR A DELAY OR CANCELLED FLIGHT”

 So,  you have missed your connecting flight back home, because the previous flight was delayed due to bad weather.  Don’t be too sure about a reimbursement coming from the airline.  Unless it is a grave or unavoidable reason, an airline is not likely to reimburse you for a purchased flight ticket.  An insurance policy, on the other hand, will help provide coverage for the cost of your flight ticket in case your flight has been canceled or reasonable expenses while delayed due to a covered reason under the policy.

Truth: Travel Insurance helps you through unexpected delays and cancellations.

MYTH: “ALL TRAVEL INSURANCE POLICIES ARE THE SAME”

A solid myth.  There are a number of travel insurance policies available TravelCenter Tours and Travel did many hours of research prior to contracting with Travelex Insurance Services.  We wanted to be confident that the policy we are offering our clients offers the best coverage possible as well as ease when filing a claim or requesting assistance while traveling either domestically or internationally. 

Truth: TravelCenter has done the research you should consider purchasing a Policy that fits your needs.

MYTH: “TRAVEL INSURANCE COST IS BASED ON MY AGE”

 For many policies this this is true, however the 360 Group plan that TravelCenter Tours and Travel offers is based on your trip cost, not your age.

Truth: The cost of Travel Insurance outweighs the financial risk.