If you are like most of us, here is how you prepare for an upcoming trip: You pack too many clothes, realize your zipper will not close its teeth, and start pulling items out. That heavy zoom lens for your camera, those guidebooks, and those fluffy towels… you do not really need those. However, there is one thing that you must pack despite the enormity of your baggage: travel insurance.
Many individuals weigh the additional expense and ask themselves, “Is travel insurance really worth it?” Well, the answer is YES. This article outlines the value of a comprehensive travel insurance plan and why it is important to have.
What Is Travel Insurance, and what does it cover?
Travel insurance is a type of coverage that protects you from the risks associated with traveling. These risks can be minor, such as a delayed suitcase, or major such as a medical emergency overseas.
Travel insurance covers medical emergencies; trip cancellation, delays, and interruption; stolen baggage, or medical emergencies.
Are you planning to go on a trip anytime soon? If yes, you need to arm yourself with full travel insurance coverage. At Thumann Agency, Inc., we provide coverage for travelers in Dallas, TX, and surrounding areas. We are committed to protecting you and your travel dreams and we want you to have peace of mind knowing that should anything go wrong during your trip, we’ve got you covered. Contact us today to get a no-obligation insurance quote.
Purchase Travel Insurance Before Your Trip
There are many good reasons why people buy travel insurance before their trips, including:
1. If you get hurt or fall sick in another country, a travel insurance cover will help you access emergency medical care if your health insurance does not apply in a foreign medical facility.
2. If you need to cancel the rest of your trip and fly home immediately, the airline can charge you for your flight changes. Trip insurance can help compensate you for those fees.
3. If you experience a medical crisis during your trip, emergency medical coverage will pay for treatment for unexpected injuries, such as broken bones, strokes, heart attack, or trauma.
4. Some travel insurance companies offer additional coverage at an added fee. For example, “cancel for any reason” coverage reimburses a significant portion of the trip cost regardless of why you back out. Moreover, some companies allow you to pay more to cover pre-existing conditions if you cut your trip short for medical reasons.
You should never go on a trip without purchasing a comprehensive travel insurance policy. Having a travel protection plan in place allows you to travel and enjoy your trip without having to worry about how you will handle emergencies. Thumann Insurance Agency, Inc., offers comprehensive coverage policies that have excellent coverage for travel emergencies. Our staff members are empathetic, share a passion for helping others, and are always ready to discuss trip insurance with you. Feel free to contact us for more information about our insurance services.
How to Find the Best Deal on Travel Insurance for Your Needs
Comparing coverage and pricing from different providers can help you find an insurance coverage plan customized to your needs. Thumann Agency, Inc., one of the best insurance companies in Dallas, TX, offers deals that are guaranteed to suit your needs. You do not have to break the bank or stretch your wallet to secure a comprehensive trip insurance policy. Our travel policy covers most risks, allowing you to travel stress-free.
Most Common Types of Coverage
1. Trip Cancellation, Delay, and Interruption
i. Trip cancellation coverage reimburses you for pre-paid, non-refundable expenses if you have to cut the trip short due to natural disasters, your own illness, or the illness or demise of a family member.
ii. Trip Delay Coverage compensates you for expenses you incur if you are delayed during a trip.
iii. Trip Interruption Insurance covers the non-refundable cost of your trip if it is included in the policy.
2. Travel Medical Insurance
While traveling abroad, these plans provide health insurance; however, you cannot use them for routine medical checkups and they often include exclusions for pre-existing conditions. Although most travel insurance plans cover nearly all recreational activities, they usually exclude adventure sports such as scuba diving and organized sporting events.
3. Emergency Medical Assistance, Repatriation, or Evacuation
This coverage pays medical expenses if you get injured or fall ill during a trip. Medical repatriation pays for flying you to your home country whereas medical evacuation coverage pays for transporting you to the nearest hospital.
4. Baggage and Personal Belongings
This coverage compensates you for damaged, stolen, or lost baggage. Some plans also compensate you for expenses incurred if you experience a baggage delay.
5. Rental Car Coverage
This coverage pays for rental car damage; however, it does not include liability insurance. You need to ask your car insurance company if you will be covered when you rent a car during your trip abroad.
6. 24-hour Assistance Services
Most package plans include this service, which involves a 24-hour hotline that you can phone when you need to locate a lawyer or doctor or find lost luggage.
Get the most out of Travel Insurance, contact Thumann Insurance Agency today!
Travel insurance is like a safety net. It gives you peace of mind that in the event of an emergency, such as getting sick or having your luggage lost on vacation, it will take care of things for you and reimburse what can't be taken care of financially.
Our services are tailored to meet the needs of individuals, corporate business travelers, groups, and international students. We provide coverage for leisure, student, and business travelers.
During your travel, you deserve to have peace of mind from travel emergencies. Contact us today and let our agency cover you while you enjoy your travels.