Why Buy Travel Insurance?
Program Protection insurance is a package of benefits and services designed to protect you in three ways: 1) to reimburse you for your financial investment (i.e. the cost of your program arrangements) should a variety of unforeseeable reasons force you to cancel or interrupt your program or delay you while traveling; 2) most importantly, to protect you against the costs incurred during your program for medical expenses, a medical evacuation, services to assist you in an emergency situation; and 3) to protect against loss, damage or destruction of your personal belongings.
Some things are beyond our control. Program Protection insurance provides coverage for: Program Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Travel Delay and much more.
Our plans include 24-hour Assistance Services to help you in emergency situations and we also include a service to register your important medical information which then can be accessed should the need arise during your program.
Remember, many of your program arrangements may be either non-refundable or subject to strict cancellation penalties. The lowest cost airfares, cruise and land packages generally include significant penalties if you are unable to actually take your trip.
Baggage/Personal Effects Loss
It’s always a good idea to leave your expensive valuables at home such as expensive jewelry, electronics, etc. But you can’t leave everything. Digital cameras, expensive clothing, and other personal articles may be lost, stolen or destroyed. Your homeowner's policy may cover only a portion of the total loss due to coinsurance and deductible requirements.
Bankruptcy & Default Protection
What if your airline or program supplier ceases operations? Other airlines or program suppliers may help find space for you, but usually at a cost and sometimes you lose the entire cost of your program! Our Preferred and Preferred Plus plans provide coverage for supplier Bankruptcy or Default.
Program Cancellation or Interruption
Do you want to protect your prepaid program costs if you must cancel or interrupt your program? Program Cancellation and Interruption protects the financial investment you’ve made in your program arrangements against a variety of unforeseeable reasons, both medical and non-medical, that may affect you or your program plans.
Does your health insurance cover you away from home? Many plans offer little or no coverage for on-trip medical bills. Our plans cover on-trip medical expenses and also provide coverage for medical transportation costs if you must be medically evacuated for appropriate care.
Terrorist Attacks that disrupt travel plans are an unfortunate reality. If your program is affected by an unforeseen Terrorist Attack, we have plans to help minimize the financial loss that you may incur.
Rental Car Damage
Rental car companies charge high fees to cover collision or other damage to a rental vehicle. Rental Car Damage is available to protect you from this damage liability.