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Travel Planning

For travel planning contact: Xenia Travel Co.

As a travel professional, I recommend buying travel insurance in this post-Covid world

Travel insurance is an essential investment for anyone planning a vacation. While traveling, you are exposed to a range of risks, including medical emergencies, trip cancellations, lost or stolen luggage, and other unforeseen circumstances. Travel insurance can help you mitigate these risks and provide financial protection against any unexpected expenses that may arise. Allow Christi Maddox Rickard, travel professional for over 14 years, to create a custom insurance solution for you.

Medical Coverage

Most US medical insurance is not valid when traveling overseas.

For example, if your trip is canceled due to an illness or injury, travel insurance can reimburse you for any non-refundable expenses you have already paid, such as airfare or hotel reservations. Similarly, if you become ill or injured while traveling, travel insurance can cover the cost of medical treatment, including emergency medical evacuation if necessary. In short, purchasing travel insurance can help ensure that you have a stress-free vacation, knowing that you are covered in the event of any unexpected incidents.

TRIP CANCELLATION OR INTERUPTION

Even for lost luggage and flight delays

Travel insurance can help you cover the cost of a canceled or interrupted trip due to unforeseen events such as a family emergency, natural disaster, or illness. Travel insurance can provide coverage for lost, stolen, or damaged luggage or personal belongings, which can be a significant inconvenience and expense.

24 HOUR ASSISTANCE

Anytime & Anyplace

Many travel insurance plans offer 24-hour assistance services, which can help you find medical care or get emergency assistance in a foreign country. Mobile apps even make filing a claim quick and easy! Even tracking your flights to monitor when a flight time changes or if you are due a claim when your time limit is reached.

MEDICAL COVERAGE

Most US medical insurance is not valid when traveling overseas.

TRIP CANCELLATION OR INTERUPTION

Even for lost luggage and flight delays

24 HOUR ASSISTANCE

Anytime & Anyplace

Do's and Don'ts when buying Travel Insurance

DO declare your medical conditions +

You may think that by not declaring a medical condition you will save money, however the thing to remember is that if you do not declare a condition you might not be covered for medical expenses if you fall ill when abroad if the illness is linked to a pre existing medical condition. By declaring all pre existing medical conditions, no matter how serious, you can be sure to be covered if you are unfortunate enough to fall ill when on holiday.

DON'T purchase travel insurance at the last minute +

The best thing to do is buy your travel insurance as soon as you book your holiday (within 21 days of initial deposit). By doing this you are more likely to be covered if an airline strike is announced, or your holiday provider goes bust, provided you have bought Scheduled Airline Failure. You are unlikely to be covered for these types of situations if you buy travel insurance cover after they have been made public. Travel insurance will also provide cover if you need to cancel your holiday for reasons such as ill health or redundancy, so make sure you buy cover as soon as you book your holiday.

Do pay as you go +

You can begin your travel insurance coverage with your initial deposit and adjust the coverage as your trip costs increase with flights, activities, and balance due payments.

DO get your vaccinations +

If you are lucky enough to be travelling to more exotic locations it's important that you are up to date with all of your vaccinations. Your travel agent will be able to inform you of which vaccinations you will need prior to travelling. You may be liable for all medical costs abroad if you fall and did not get the required jabs or medication before you traveled.

DON'T forget the cooling off period +

When you purchase a travel insurance policy, you should have 14 days during which time you can cancel, or amend your policy without charge as long as you haven't travelled or made a claim. After this time you might not be able to make any changes, or if you can you may be charged.

DO give the correct travel dates +

Enter travel dates correctly on single trip policies-your policy could become invalid if you haven't entered accurate travel dates. You need to make sure that your travel insurance policy covers the entire duration of your trip.

DON'T take part in illegal activities +

Something that may seem normal in one country may be frowned upon or may even be illegal in another. Do some research before you travel and make sure you are aware of the law in the places you are visiting, buy yourself a tour book or have a look at the FCO website. Your travel insurance will not provide cover if you are taking part in illegal activities.

DO think about holiday activities +

Ensure that your holiday activities are added to your cover. Some people don't realize that certain activities, such as kayaking or high altitude trekking, may need to be added as extra cover to standard policies.

DON'T think that travel Insurance is not worth it +

A small percentage of travellers do not buy travel insurance as they see it as an unnecessary and expensive extra to their holiday costs. Remember that by not having travel insurance you will not be covered if you have an accident whilst abroad, all the cost associated with this will have to come out of your own pocket. Travel insurance policies can cover you for medical expenses, flight cancellation and loss of personal belongings plus much more.

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Travel Planning

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Medical Coverage

Most US medical insurance is not valid when traveling overseas.

TRIP CANCELLATION OR INTERUPTION

Even for lost luggage and flight delays

24 HOUR ASSISTANCE

Anytime & Anyplace

MEDICAL COVERAGE

Most US medical insurance is not valid when traveling overseas.

TRIP CANCELLATION OR INTERUPTION

Even for lost luggage and flight delays

24 HOUR ASSISTANCE

Anytime & Anyplace

DO declare your medical conditions +

DON'T purchase travel insurance at the last minute +

Do pay as you go +

DO get your vaccinations +

DON'T forget the cooling off period +

DO give the correct travel dates +

DON'T take part in illegal activities +

DO think about holiday activities +

DON'T think that travel Insurance is not worth it +

FREE Quote for Travel Insurance