Travel Insurance Information
Airfare, gas and hotels are among some of the most common nonrefundable costs that go into traveling. There are often times when travel plans change due to unforeseeable events, and travel insurance takes this into account. Having a travel insurance policy can protect residents in Champaign and Central Illinois against the loss of nonrefundable travel costs and other expenses.
What Is Travel Insurance?
Travel insurance is an agreement in which you pay your insurer a fraction of your total travel costs in exchange for financial assistance if something comes up to change or cancel your plans. Besides protection against nonrefundable costs such as airfare and hotels, travel insurance can offer protection against losses due to medical emergencies, damage to personal property and death, which may occur while on vacation.
What Does Travel Insurance Include?
Travel insurance policies vary depending on factors such as trip cost and location. However, a common travel insurance policy might include the following coverages:
Trip Cancellation/Delay/Interruption Insurance
Trip cancellation helps reimburse you for prepaid travel expenses if you can’t take your trip because you or a family member becomes ill or dies.
Travel delay assists in reimbursing you for prepaid expenses if you can’t take your trip because of a travel delay, such as a flight delay or cancellation.
Trip interruption might reimburse you for prepaid expenses if your trip is cut short because you or a family member become ill or die or because of any other misfortune listed in the policy. Covered reasons might include bad weather, airline strikes, terrorism, bankruptcy, jury duty or damage to your home.
Medical/Accidental Death Insurance
Emergency medical expense helps reimburse you for medical and emergency dental expenses because of an illness or injury while you’re traveling.
Medical evacuation can provide emergency transportation to take you either to a hospital near your area of travel or for transportation back to a hospital near your home.
Accidental death is usually split into three parts:
Common carrier helps cover death or dismemberment while traveling on public transportation such as a plane, ferry, train, bus or taxi.
Accidental death helps cover death or dismemberment at any time during a trip.
Be sure to contact an agent today to learn more about the potential coverages included in a typical travel insurance policy.
The folks Prairieland Insurance Group are here to help you learn more about travel insurance. Our agents are ready to assist travelers in Champaign and throughout Central Illinois learn more about travel insurance so they can make the right decision on coverage for their next trip.
Reach out to one of our agents today at 217-352-9000.