We always highly recommend and suggest that everyone planning on leaving their country of residence  to very that they have Travel Insurance, and if they don’t, that they purchase not only Travel Medical coverage, but also Trip Cancellation/Interruption/Delay, Travel Accident, and Baggage coverage for Theft/Loss. All this coverage can be purchased in one convenient Plan at a very affordable price based on the duration of your trip, your current age when travelling, and the overall cost of your trip/vacation package!

So whether you’re traveling for business or pleasure, you should definitely already have full travel insurance coverage, or purchase it as soon as you put down any money that will be deemed non-refundable.

To verify that you have such Travel Medical and Cancellation/Interruption coverage, talk with your place of Employment to see what plan they may be offering you. Also contact your Credit Card company to see if they offer you such Insurance coverage as well.

Questions To Ask Your Employer or Credit Card Company:

Questions to ask your Employer:

  • Do I have Travel Medical coverage through my plan with the company? Your Human Resources department should be able to provide you more details on your current company plan and if it includes travel medical coverage.
  • Do I have Cancellation/Interruption coverage as well? This is separate from Medical coverage. If you do have both coverage’s, find out the amounts and verify if the coverage is sufficient.

Questions to ask your Credit Card Company:

  • Do I have Travel Medical/Cancellation/Interruption coverage through my Credit Card? If so, is it currently Active? Where can I receive all the details on this available coverage?
  • Is this Travel Insurance coverage Free or do I pay an Annual Fee for this coverage? Is there any supplemental coverage that I need to purchase?
  • Do I need to have all my payments on this credit card to qualify for the coverage? This includes your Deposits and Full Payment Package amounts.
  • Is my Family covered under my Credit Card Coverage?
  • Does the Credit Card coverage pay claims up-front, or do I have to pay the claim cost and then get Reimbursed? What’s the time frame to be reimbursed?

In Conclusion, All We Ask Is That You Verify Your Coverage!

These days you never know what may happen, and like your house or car insurance, you hope that you never have to use it, but in the unexpected event you do, it is extremely important to know that your coverage is sufficient enough. The last thing you want to find out is that you don’t have enough travel insurance coverage after you placed a Medical or Cancellation claim. For the few extra dollars to have the right amount of protection will prevent you from having to pay thousands of dollars out of your own pocket! 

We always hate hearing such stories about our clients that thought they had enough coverage, and later finding out they didn’t. For example: Let’s say your Travel plan or Insurance policy indicates that your medical coverage is 1,000,000. That’s sounds like a lot of money and in most cases could be enough. But if you happen to fall ill or become injured and you were rerouted to Hospital in the United States. That million dollars may not be enough. Even if your claim ended in the amount of 1,050,000. Yes your 1 million will be covered but who’s going to cover the additional $50,000 owing. That’s going to  be your cost out of pocket, and how many people would have fifty thousand dollars in their bank account to pay such as cost?

So please make sure you’re sufficiently protected, and if you don’t feel you are, purchase an additional top up plan or one of the many Travel Insurance Plans that provide more coverage for the time you’re away.