Business Travel Insurance

Do you need travel insurance?  The answer is likely “yes”, especially if you want to ensure that you have a fantastic vacation with no hitches, or that you don’t get stuck with the bill should you have to cancel the trip.  This is what travel insurance is for.  Travel insurance is to protect you from the unexpected, and it is a luxury that is saving many travelers from unexpected hardships. 

Travel insurance is coverage that protects travelers should they need to cancel or delay their trip, if you lose their baggage, if they have a medical emergency (although you may have health coverage, chances are that it is not valid in foreign countries), and so on. 

Below is a list of exactly what travel insurance will cover.

• Medical and dental expenses
• Medical air evacuation / Emergency evacuation / Repatriation of remains
• Trip cancelation / interruption
• Return of a minor child
• Legal assistance
• Delayed baggage (and emergency replacement of essential itmes)
• Lost, damaged or stolen baggage, travel documents or personal effects
• Delayed departure, missed flights
• Curtailment
• Accidental disablement, injury or death benefit
• Overseas funeral expenses
• Travel delays due to weather
• Missed flight connections due to the airline’s schedule
• Medical hospital and emergency care due to sickness or accident

Travelers will also have the option of additional coverage which includes:

• Travel to high risk countires (i.e. due to acts of terrorism, natural disasters or war)
• Pre-exisiting conditions (i.e. diabetes, asthma, etc.)
• Car rental collision coverage
• Kidnap and ransom insurance
• Sports with an element of risk (i.e. scuba diving, skiing, etc.)
• 3rd Party supplier insolvency (i.e. the airline or hotel in which your prepayments are nonrefundable went into administration)

Travel insurance is helpful coverage that assists the traveler and protects them the entire time they are on vacation.  Travel insurance is helpful services that are there seven days a week, 24 hours a day and definitely a protection that no traveler should be without.