Discovering Travelers Insurance In 4 Easy Steps

I've heard plenty of vacation horror stories about people losing their luggage, getting robbed or other situations that you wouldn't think would happen. Like having your valuables fly off the roof of your car. Though none of this happened to me, I made sure it's better to keep my stuff protected, instead of being out of luck. So I set up a travelers insurance policy.

General insurance services offer useful policies but lack the abilities which puts your interest first. 

Personally, I use Allianz as my primary insurance and Travelex for my secondary provider. They both offer the most affordable insurance plans which cover every aspect of your trip. 

Let's Dive in to help you learn about how to perform your own Insurance Reviews in 4 easy steps.

The Review Process

Step 1: Does Your Travel Insurance Provider offer a 24-hour Assistance hotline?

When you begin your search for your insurance plan the first thing you want to look for is if they offer a 24-hour Assistance Hotline. You do not to be stuck in an emergency situation without getting the help you need.  You are hiring them to keep you safe, that is their job. If they are unable to protect you, what are you paying them for?


Step 2 -  Finding An Emergency Medical Protection Plan

    For Example, Imagine you A few hours after savoring some steak at a beach bar in Jamacia, you start getting a really bad: high fever, chills and nausea and making trips to your hotel room bathroom to throw up. You Got Food Poisoning! The next step to consider when finding a protection plan are emergency medical such as dental emergencies, get sick or have a serious accident when seeing the sites. For this, look for insurance policies which offer this option. 

    You call your Insurance Company to find a local doctor that accepts your insurance. Schedule your appointment to get treated immediately. 

    The doctor diagnoses and confirms you have food poisoning and treats you for dehydration. While letting your travel insurance provider foot the bill so you can get feel like new while swimming with dolphins in the clear water on a tropical Jamaican Beach. 

    Another vital thing to consider when you perform your personal review is making sure your insurance provider offers Existing Medical Condition Coverage Policy. Since I am a recovering heart surgery survivor, this is a must. 

    The way this works is if you, a traveling companion, or a family member has an existing medical condition.

    Also, most people do not like to think about accidental death or dismemberment when traveling. Unfortunately, this happens more often than you think.  

    When reviewing travel insurance policies, make sure they offer an accidental death or dismemberment policy, that also provides reparation of remains. 

    Step 3 - Does The Travel Insurance Provider cover lost or damaged personal property?

    Baggage loss and damaged property are the most common encounter vacationers have. 

    When are looking for travel insurance, review their policy to see if they cover loss, damage or theft of baggage and personal effects. There should be a combined Maximum Benefit limit shown on the Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; personal computers, cameras and their accessories and related equipment.

    When locating the best baggage policy make sure that the insurance policy includes reimbursement for Baggage Delays. No one wants to go on a trip without the necessities. 

    Step 4 -  Does The Travel Insurance Company cover transportation?

    Trip Delays often can cause an expensive and stressful last-minute itinerary change. For this make sure the provider will reimburse you for any pre-paid activity expenses when a cruise or tour supplier changes your covered trip itinerary, preventing you from participating in that event or activity.

    In addition to this, you should always, and I mean always make sure there is a travel insurance policy that reimburses you for additional transportation, accommodation, and meal expenses, as well as the nonrefundable payments for the unused portion of your cruise, if you miss your cruise ship departure because of the cancellation or delay of all scheduled flights due to inclement weather.

    This often can cause an itinerary change. Changing your plans last minute can be costly, not to mention stressful. For this make sure you will be reimbursed for any pre-paid activity expenses when a cruise or tour supplier changes your covered trip itinerary, preventing you from participating in that event or activity.


    When you decide on a travel insurance provider,, it is always good to have a primary and secondary insurance plan. This practice is to ensure you have everything you need.

    Most general insurance providers offer this these service but lack international travel insurance.



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