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TAKE A LOOK AT YOUR PASSPORT

Did you know that the U.S. Department of State recommends travel insurance for anyone traveling abroad? It’s true — in fact, they think travel insurance is so important they even say so in every U.S. passport. The U.S. State Department recommends trip protection because most health insurance policies (including Medicare) won’t cover you abroad.

If you have a covered medical emergency outside of the United States, Allianz Travel Insurance* can help find a pre-screened hospital, pay medical treatments, and get you home safely.

If something comes up causing cancellation, you will be covered too (as long as it’s a covered reason). Insurance also comes with trip cancellation protection, emergency medical transportation benefits, lost or stolen luggage protection, 24-hour assistance, and concierge services.[/vc_column_text][vc_column_text][/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

Here we’ve listed 10 typical situations which warrant the need for travel insurance.

1. Cancellations – A family reunion with your extended family has been planned but your mother’s illness prevents you from attending. The reunion now needs to be canceled. To add to the disappointment, you are faced with looking for reimbursement. What happens to the non-refundable deposit? Who are you going to call to get that back?
2. Lost Baggage – You land in St. Lucia and are waiting at baggage claim but your luggage is nowhere to be found. This is bad – you’re left without clothes, toiletries, and medication. Who is going to cover your expenses to replace these items until they get recovered? And it is likely that it could take days for your luggage to arrive.
3. Missed Connections – You made it back to the states with your family. You have a connection but realize that it is canceled. Children are tired and the comfort of your bed is all you can think of. How do you go about rebooking tickets and finding hotel accommodations until the can get the next flight out? Are your expenses for this mishap covered?
4. Flight Delays – You arrive at the airport at the suggested time but only to find the flight is suddenly delayed by several hours. This mishap will cause you to miss your connection. A missed connection means finding a new flight, which may or may not happen that same day and resulting in you missing an important portion of your trip. What about that first night you already paid for? How are you going to get your money back?
5. Unexpected Change of Plans – You have been waiting months for your bucket list trip to Bali. You had cleared the time off of work with your supervisor only to find out you unfortunately are bing laid off. What do you do? You now can’t afford that special trip forcing you to cancel.
6. Theft – Ahh – the old streets of European cities! You are out and about all day and decide to upload a few pics to Instagram, only to realize your phone has been stolen. After filing a police report you can be reimbursed for your lost item.
7. Injury while Abroad– Speaking of old cobblestone streets, you are walking from museum to museum and you twist your ankle. Ouch! Not only are you in pain but that ankle needs medical attention from an English speaking doctor. How are you going to access the list of doctors? Who is going to cover these unforeseen medical expenses?
8. Terrorism – The sad reality is that terror strikes happen unexpectedly in our world. If an incident happens 3 weeks prior to where you are headed you may still be able to go but if not, you will need to cancel. How will you get your money back?
9. Natural Disasters – Who doesn’t love a wonderful beach resort vacation? But the reality is hurricanes do typically blow through these tropical destinations. Evacuation is necessary You need a flight home ASAP. Who reimburses you for the lost travel days?
10. Family Death – It is a week before your trip and you get the sad news there has been a death in the family. Your trip needs to cancelled. As distressing as this news can be, you are faced with the decision to cancel the trip you have paid in full. Will you receive a full reimbursement to rebook?

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