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.: Group Benefits &
   Executive Benefits


.: Business Insurance
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.: Travel Insurance 

.: Individual 
   & Family Health


.: Long Term Care
.: Life Permanent & Term
   & Disability

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Frequently Asked Questions
Travel Insurance


Why Should a Traveler Buy Travel Insurance? 

Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to serious illness - or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses - money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance. 

What Happens If a Traveler Must Cancel Their Vacation? 

Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds. This is where travel insurance with trip cancellation works for you. It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason

How Does Trip Cancellation and Interruption Coverage Work? 

It reimburses for forfeited, nonrefundable, unused payments... 

What Other Coverage might be typically included in a travel policy? 

In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover the following:

Emergency medical treatment and repatriation, life insurance, luggage and personal property insurance and much more.

Does Travel Insurance Cover Terrorism? 

Many travel insurance policies do not cover terrorism, so if this is a concern, check your policy before purchasing.  Some policies do include an option to buy Kidnapping and Ransom protection.

Is the Financial Default of an Airline, Cruise Line or Tour covered?

It may be but must be clearly stated in the policy if covered.

How Much Does Travel Insurance Cost? 

The majority of the cost of travel insurance is based on the value of the trip and the length of the trip and potentially the age of the traveler, plus options selected. Typically, the cost is five to seven percent of the trip cost.


Frequently Asked Questions :: Glossary of Common Terms

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