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For example- 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 reimburse you for covered necessities? If it’s stolen, who will reimburse you for its contents?
Perhaps a relative falls ill and needs your care. If you cancel the holiday the night before you fly, without insurance how will you get your money back?
Travel Insurance is insurance that is intended to cover medical expenses and financial (such as money invested in non-refundable pre-payments) and other losses incurred while traveling, either within one’s own country, or internationally.
Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased from travel insurance companies, travel agents or directly from travel suppliers such as cruiselines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies.
Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.
The most common risks that are covered by travel insurance are:
Accidental death, injury or disablement benefit
Overseas funeral expenses
Loss, theft or damage to personal possessions and money (including travel documents)
Delayed baggage (and emergency replacement of essential items)
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
In addition, often separate insurance can be purchased for specific costs such as:
pre-existing medical conditions (e.g. asthma, diabetes)
sports with an element of risk (e.g. skiing, scuba-diving)
travel to high risk countries (e.g. due to war or natural disasters or acts of terrorism)
Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.
For more information or to discuss your requirements for a specific quote contact us today