Travel Insurance

Travel Insurance: Beyond Trip Cancellation Benefit

Trip Cancellation Benefit

The travel insurance often covers medical expenses, which means the travellers do not have to pay in case of any medical emergency transportation expenses with their own money, another important benefit is it provides coverage’s for trip cancellation. It is a type of insurance for covering unforeseen losses incurred while travelling, either internationally or domestically. Travel insurance covers many events such as your traveling companion or family member has a medical emergency or dies, need emergency medical evacuation, your travel supplier airline, tour operator goes out of business, bad weather, travel delay, a plane crash.

Buy Travel Insurance

Buying a travel insurance is very important when you have to travel a lot it can secure you from many expenses. There is also group travel insurance, this is similar to individual travel insurance but usually it is 10% cheaper than the individual insurance plan and requires at least five travelers in a group. Travel insurance policies must be purchased prior to departure from home, or from the first departure point like an airport, depending on the product. Few insurance companies and brands offer travel insurance for travellers who are already overseas and have forgotten to purchase travel insurance or have a policy which has expired. All most every policy require you to start and finish your journey in your country of residence, however some policies offer coverage for one-way travel for people who are permanently relocating to another country.There are two type of travel insurance that you can buy- domestic and international travel insurance. The domestic travel insurance is for valid when you travel with in your country and the international is outside the country.

Trip Cancellation Insurance 

Trip cancellation is a pre-departure benefit travel insurance plan that can reimburse 100% of traveller’s trip cost if they need to cancel their trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveller, a traveling companion, or a non-traveling family member.The trip cancellation insurance coverage canpay up to the covered amount for pre-paid non refundable trip costs if you have to cancel your trip for a covered reason.The cancellation insurance also pays the additional cost in the per person rates known as a single supplement fee if a traveling companion’s covered trip is cancelled but yours is not.

Travel Medical Expense Coverage

Travel expenses coverage pays for any kind of medical expenses, meals, lodging and transportation if your vehicle is disabled in an incident covered by comprehensive insurance more than fifty miles from your home. Travel medical expenses include emergency Medical coverage can reimburse you for the costs associated with medical treatment for an illness or injury during your trip. This can include coverage for physician services, ambulance services, and hospital charges, among other expenses. It covers any medical expenses during the travel like major illness, any kind of accident or hospitalization.

USI Travel Insurance Services

USI travel insurance has basically two types of policy: Ruby and Diamond. Designed as a higher-end travel protection plan for discerning travellers, the USI Explorer Ruby Plan features high limits of Primary Medical Expense and Emergency Medical Evacuation coverage. Other benefits are rip Cancellation with optional Cancel For Any Reason (CFAR), Missed Connection, Air Ticket Change Fee, Travel Delay and more. The plan also provides twenty four hours concierge assistance services a non-insurance benefit that you can rely on before and during your trip.The USI Diamond Plan offers the same benefits as the Ruby Plan, but with superior limits for many benefits including Primary Medical Expense, Emergency Medical Evacuation, Travel Delay, Missed Connection and more. This plan also includes in most statesan additional benefit of CDW (Collision Damage Waiver) to cover you if renting a car.

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