If you’re embarking on travel adventures again, it’s more important than ever to purchase a comprehensive travel insurance policy, especially for international travel.
A travel insurance policy can protect your trip investment in several important ways. Look for a policy that provides these benefits:
- Trip cancellation
- Trip delay
- Trip interruption
- Medical expense and medical evacuation
- Baggage loss
All travel insurance policies will contain lists of exclusions. In fact, policies often contain more than one list of exclusions. For example, a policy might have separate exclusion lists for trip cancellation, baggage delay, medical claims and rental car damage.
You may know you have travel delay coverage, but how much? Travel insurance policies can vary widely in terms of coverage caps and required time delays.
If you require the maximum flexibility for your travel plans, make sure your policy allows you to cancel for reasons beyond what’s listed in the base policy.
Reading the policy and plan documents can also help you uncover benefits you might not have known were included.
Godlin at Aon Affinity says that two of the biggest reasons claims are delayed or denied are because:
- The customer tries to file a claim for a reason that’s not covered under the plan.
- The customer does not provide the necessary documentation (such as receipts).
Your policy will list the covered reasons to file a claim and the documentation needed.