What is Travel Insurance?
Travel insurance is a type of coverage that protects travelers against financial losses and unforeseen events while traveling. This can include trip cancellations, medical emergencies, lost luggage, flight delays, and other travel-related risks.
What Does Travel Insurance Cover?
Coverage can vary depending on the provider and policy, but common protections include:
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Trip Cancellation/Interruption: Reimburses prepaid, non-refundable expenses if you must cancel or cut your trip short due to covered reasons (e.g., illness, natural disasters, or other emergencies).
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Medical Emergencies: Covers healthcare costs while traveling, especially abroad where your primary health insurance may not apply.
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Emergency Evacuation: Covers transport costs in the case of a medical emergency requiring urgent evacuation.
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Lost, Stolen, or Delayed Baggage: Provides compensation if your luggage is lost, stolen, or delayed.
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Travel Delay or Missed Connections: Reimburses expenses if your trip is delayed due to weather, airline issues, or other disruptions.
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Accidental Death & Dismemberment (AD&D): Provides benefits in the event of serious injury or death while traveling.
Can You Get Travel Insurance From Your Insurance Agent?
Yes! Many insurance agents who sell home, auto, and health insurance also offer travel insurance or can refer you to a trusted provider. Some major insurance companies and travel-focused providers offer standalone travel insurance policies. You can also purchase travel insurance through:
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Your current insurance provider (some companies offer it as an add-on to existing policies)
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Travel agencies and airlines (they often offer insurance during booking)
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Credit card benefits (some premium credit cards include travel protections)
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Specialty travel insurers (companies like Allianz, Travel Guard, or World Nomads)
Before purchasing, review the policy details to ensure it covers your needs, especially for international travel or adventure activities. Have more questions? Contact your Connect Insurance agent today!
