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USTiA: Travel Insurance Can Help Spark Confidence in TravelFebruary 11, 2011 By: George Dooley
Fears over financial risk shouldn’t derail vacation plans, according to the US Travel Insurance Association (UStiA). The association cited a University of Florida study (October 2010) that reports that two-thirds of tourists surveyed said the recession and "financial risk" would affect their travel plans in the coming year.
Travel insurance can help protect your clients vacation from financial risk in several ways, as well as provide important peace of mind, advises UStiA.
UStiA’s recommendations for consumers include:
• Should you need to cancel or interrupt your trip because you or a family member becomes (because of your or a family member’s illness or injury) ill or injured, most travel insurance policies will reimburse you for any nonrefundable expenses.
• If your current health insurance won’t cover you in case of unexpected illness or injury while traveling, most travel insurance policies provide a medical benefit as well as assistance in locating appropriate medical treatment. The travel insurance providers can also help coordinate payment of covered medical expenses to help ensure that you receive treatment. Some policies may also provide direct payment to the hospital or other medical providers. And in situations where your health insurance reimburses only part of the cost, comprehensive travel insurance policies will often cover the balance.
• If your travel is delayed or cancelled due to weather conditions, many comprehensive travel insurance policies will reimburse you for the nonrefundable costs of your vacation, as well as reimburse up to a set amount for expenses such as hotel and incidentals. The waiting period for delay may vary by company and policy.
Travel insurance can also cover work-related situations. Covered reasons can include if you or the person with whom you are sharing a room during travel are terminated from employment, if you or a business partner become ill or are injured, or if you or your traveling companion are notified of job-related relocation. Minimums, such as length of time employed, may apply.
If you’re still concerned over financial matters, and want to hedge even more of all your travel costs, Cancel for Any Reason policies cover a broader range of situations. These policies, however, cost more, and usually reimburse you for less than the total amount of what you paid for your trip.
As travel insurance policies differ, UStiA advises travelers to evaluate their policy in advance, and understand what is and what is not covered. Most companies provide a customer service number for questions and answers, and also provide a grace period for cancellation.
For more information, consumer advice on how to shop for travel insurance, and a listing of UStiA member companies, visit www.ustia.org.