About Travel Insurance

IMPORTANT INSURANCE INFORMATION TO CONSIDER

BECAUSE OF CANCELLATION PENALTIES, AIRLINE POLICIES, AND THE FINANCIAL COMMITMENT YOU’VE MADE, IT IS WISE TO CONSIDER TRAVEL INSURANCE.  PEOPLE ALWAYS ASK “DO I REALLY NEED INSURANCE?”  THAT HAS TO BE YOUR CHOICE, BUT HERE’S SOME INFORMATION TO HELP YOU MAKE AN INFORMED DECISION. THE FOLLOWING ITEMS ARE COVERED IN A COMPREHENSIVE PACKAGE.

  • TRIP CANCELLATION/INTERRUPTION: THIS REIMBURSES FOR LOSSES DUE TO COVERED CIRCUMSTANCES LISTED IN THE POLICY. ONCE AIR TICKETS ARE WRITTEN, THEY ARE NON-REFUNDABLE, EVEN IF DUE TO EMERGENCY.  LAND COSTS ALSO HAVE SIGNIFICANT CANCELLATION PENALTIES. INJURY OR ILLNESS COULD NECESSITATE CANCELLATION BEFORE THE TRIP EVEN STARTS.  MORE AND MORE AIRPORTS ARE HAVING WEATHER-RELATED DELAYS.  (IN THE WINTER IT CAN BE RAIN OR SNOW; IN SUMMER IT IS OFTEN DUE TO FOG.)  AIRLINES ARE NOT REQUIRED TO COMPENSATE YOU IF WEATHER IS THE CAUSE. MOST OF THESE POLICIES ALSO PROVIDE COVERAGE IF THE TRIP IS CANCELLED DUE TO A TERRORIST INCIDENT THAT HAPPENS WITHIN 30 DAYS OF YOUR SCHEDULED ARRIVAL IN A CITY LISTED ON YOUR ITINERARY.

  • MEDICAL EXPENSE:  MEDICARE AND SOME REGULAR INSURANCE POLICIES DON'T COVER ILLNESS OR ACCIDENT WHILE OVERSEAS. 

  • MEDICAL EVACUATION:  WE HAVE NEVER NEEDED TO USE THIS, BUT IT WOULD BE VERY COSTLY, IF NEEDED.

  • BAGGAGE LOSS/DELAY:  AIRLINE RESPONSIBILITY IS LIMITED, AND THE INSURANCE PROVIDES ADDITIONAL COVERAGE.

TYPES OF POLICIES

WE HAVE FOUND THAT TRAVELGUARD PROVIDES COMPETITIVELY PRICED COVERAGE AND GREAT SERVICE. MOST PEOPLE FIND THAT THE ESSENTIAL (SILVER) OR PREFERRED (GOLD) PLANS FIT THEIR NEEDS FOR THIS TYPE OF TRIP. 

BOTH OF THESE PLANS COVER PREEXISTING CONDITIONS AND INCLUDE FREE COVERAGE FOR ONE MINOR CHILD PER TRAVELING PARENT, IF PURCHASED WITHIN TWO WEEKS OF THE INITIAL PAYMENT ON YOUR TRIP. (THAT INCLUDES THE DEPOSIT TO CTSP OR THE PURCHASE OF AIR TICKETS.) THE FULL AMOUNT OF THE TRIP COSTS MUST BE INSURED IF YOU WANT EITHER OF THESE BENEFITS TO APPLY.

POLICY COSTS ARE BASED ON YOUR STATE OF RESIDENCE, YOUR AGE AND THE TOTAL NON-REFUNDABLE TRIP COSTS.

Special Note: When you use our website button to purchase (below) you do not need to fill in airline information or the name of our agency.