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 COVERS LOSSES DUE TO EXTENUATING CIRCUMSTANCES. 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 BASIC, SILVER OR GOLD PLANS FIT THEIR NEEDS FOR THIS KIND OF TRIP. 

  • BASIC: THIS POLICY IS BEST FOR THOSE WHO WANT TO PROTECT THEIR INVESTMENT, WHILE KEEPING COSTS AS LOW AS POSSIBLE.  IT DOES NOT HAVE THE OPTION TO COVER PREEXISTING CONDITIONS, AND SO IT IS OFTEN BEST FOR YOUNGER PEOPLE, OR FOR THOSE WHO DIDN’T PURCHASE INSURANCE INITIALLY WITHIN THE TWO-WEEK WINDOW MENTIONED IN THE TOUR CONDITIONS.

  • SILVER (OR ESSENTIAL EXPANDED): THIS POLICY HAS BROADER AND INCREASED COVERAGE AMOUNTS ... AND COVERS PREEXISTING CONDITIONS, AND INCLUDES FREE COVERAGE FOR MINOR CHILDREN WHO ARE TRAVELING WITH THEIR PARENTS  IF PURCHASED WITHIN TWO WEEKS OF CTSP PROCESSING YOUR INITIAL DEPOSIT. 

  • GOLD (OR PROTECT ASSIST): THIS POLICY COVERS PREEXISTING CONDITIONS, AND INCLUDES FREE COVERAGE FOR MINOR CHILDREN WHO ARE TRAVELING WITH THEIR PARENTS IF PURCHASED WITHIN TWO WEEKS OF CTSP PROCESSING YOUR INITIAL DEPOSIT ... AND PROVIDES APPROXIMATELY 25-50% MORE IN BENEFIT AMOUNTS THAN THE SILVER POLICY DOES.  

POLICY COSTS ARE BASED ON AGE AND THE NON-REFUNDABLE TRIP COST. SOMETIMES THE GOLD POLICY IS ONLY SLIGHTLY MORE EXPENSIVE THAN THE SILVER POLICY.  IN THAT CASE, THE GOLD WOULD DEFINITELY BE A BETTER VALUE.