Travel Insurance, the Overlooked Insurance Product!

On a daily basis, you probably see several TV advertisements for auto and life insurance products. However, do you remember seeing a TV ad or hearing a radio ad for travel insurance? The answer is probably no. In general, you will see advertisements for travel insurance on websites that offer the insurance product, or if you decide to visit a travel insurance agent’s office, or possibly at the airport’s terminal. Unfortunately, travel insurance is not as widely marketed as life insurance. But can you afford to travel without it?

Why is Travel Insurance an Afterthought?

Besides the lack of advertisement, the appeal of travel insurance in the marketplace suffers for other reasons. Unless you are a frequent traveler, travel agent, or an insurance agent that specializes in travel insurance sales, the average person does not know what travel insurance covers, with the exception of “accidental death and dismemberment” (AD&D) benefit. However, people are familiar with the AD&D benefit because some airlines actually offer the coverage to its patrons for purchasing an airline ticket, and this coverage is usually printed somewhere on the airline ticket pamphlet. Otherwise, an individual’s credit card may offer some limited form of travel insurance when traveling.

What Can Travel Insurance Cover?

· Trips on a commercial carrier (airlines, cruises, etc.)

· Travel Medical Insurance

· Medical Evacuation

· Trip Cancellation/Interruption

· Lost Baggage

· War and Terrorism

· International Life Insurance

· Travel Delay

· Accident and Dismemberment (AD & D)

· Student Travel

· Short Term Health

· Group Travel Insurance

· Annual Multi-Trip

· Cruise Insurance

· Expatriate

· Hazardous Sports and Activities

 Summary

Unlike other types of insurance, you are usually able to customize a travel insurance policy to fit your travel needs. Therefore, it is wise to consult a travel insurance specialist before purchasing a travel insurance policy.

Travel Insurance

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