If you’re traveling internationally, or even to another state, it’s important to be prepared with the right travel insurance before hitting the road. Don’t risk your vacation: get travel insurance before you go
As you plan your vacation, whether it’s an overnighter at a nearby hotel or a trip that takes you abroad, make sure you buy your travel insurance ahead of time and understand what it covers and doesn’t cover before heading out on your trip.
This way, you can rest easy knowing that if anything unexpected happens, you won’t have to risk your vacation to deal with it.
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What is Travel Insurance?
Travel insurance is designed to cover certain expenses associated with a trip. These could include medical expenses, car rental fees, lost baggage or flight cancellations.
There are two main types of travel insurance policies—annual plans that will pay out claims once during any given year and single-trip policies that will only pay out once per policy. It’s important to know what’s covered in your policy because it differs from one provider to another.
Your plan should have benefits for emergency medical treatment, lost luggage, stolen or damaged goods and trip cancellation or interruption due to unforeseen circumstances like sickness or job loss.
How to Avoid Getting Sick on Vacation
If you are planning a trip and concerned about missing work because of an illness or accident while on vacation, check with your health plan. Many plans offer a limited number of no-cost days per year when coverage is provided overseas without deductibles, co-payments or coinsurance, even if you don’t normally carry such coverage.
Medical Insurance for Trips Outside of North America
Taking a trip outside of North America? It’s important to know that you may need additional medical insurance, especially if your trip will last longer than 180 days. It is also important to note that many credit cards do not provide coverage for non-North American emergencies.
Consider buying an add-on policy from a provider like World Nomads or Travelex—these policies are inexpensive and easy to purchase online.
General Advice for Choosing The Right Travel Insurance
When planning a trip, it’s vital to make sure that you have everything covered by your insurance policy. Never hit the road without making sure that your medical, luggage and cancellation/trip-cancellation coverage are all up to date! You can even extend your coverage with add-ons like personal liability or rental car/vacation home protection.
Be sure to read through our guide for more information on how to plan for a successful vacation!
Tips on how to buy the best travel insurance
It’s never too early to start thinking about buying travel insurance. In fact, you should consider it as soon as you make hotel reservations or book a flight.
If something goes wrong, that thing could derail a planned vacation and/or cost thousands of dollars in expense that would otherwise be covered by travel insurance. But how do you know which plan is best for you? Here are the type of travel insurance to buy that will cover you when (not if) things go wrong.