When planning a travel vacation or cruise vacation, the last
thing that one wants to think about is trouble or cancellation.
Thus travel and cruise insurance is often left on the back
burner. However, when the time comes to purchase your vacation
insurance, be sure that you compare cruise insurance and travel
insurance policies to ensure that you are getting what you
expect. As always, it’s “buyer beware”!
That’s not to say
that all insurance policies and companies are out to deceive you
or hide the terms of insurance pay-outs. In fact, most are very
reputable. The problem comes when trying to economize while
buying insurance. You really do “get what you pay for” in most
cases – especially when you compare insurance policies.
There are often so many variables when purchasing cruise
insurance or travel insurance that we can become somewhat
complacent with what we are purchasing. Again, “Buyer Beware!”
Make sure you know what’s available and what’s included in your
insurance policy package. As an example, insurance companies
like Travel Guard International, America’s largest provider of
travel insurance offers a wide range of benefits with their
Comprehensive Coverage. Included in Travel Guard’s packages are
the following benefits:
· Trip Cancellation – Providing
reimbursement of 100% of trip cost if the trip is cancelled
under the terms of the insurance policy.
· Trip
interruption – Providing reimbursement of trip cost if the trip
is interrupted as covered by the insurance policy such as
evacuation due to hurricane.
· Trip Delay – Providing
reimbursement for additional accommodations or travel expenses
if the traveler is delayed for more than several hours.
·
Lost, Stolen or Damaged Baggage and travel documents – Providing
reimbursements if luggage is lost, damaged or stolen while the
insured is traveling, or if travel documents are lost or stolen.
· Baggage Delay – Providing reimbursement for the purchase of
essential items if your bags are delayed more than 24 hours.
· Medical Expenses – Providing reimbursement for necessary
medical expenses up to one year after the illness or injury
providing the insured traveler sought medical treatment while on
the trip.
· Emergency Medical Transportation – Covering
the cost of evacuation and transportation to the nearest
adequate medical facility.
· Travel Guard Assistance – A
24 hour hotline for emergency assistance, medical referrals,
prescription replacement assistance, replacing travel documents
and more.
· Livetravel – Travel Guard’s round the clock
travel agent service for emergency or last minute travel changes
such as rebooking flights, arranging hotels and ground
transportation and tracking lost luggage.
· Concierge –
24 hour worldwide access to restaurant referrals/reservations,
event tickets, tee times, floral services, ground transportation
and more.
As well, in many cases, travelers
purchasing Travel Guard insurance within 15 days of making their
initial trip payment also receive at no additional cost:
· Pre-Existing Medical Condition Exclusion Waiver – protection
if pre-existing medical conditions force cancellation or
interruption of a cruise or trip.
· Default Protection –
providing reimbursement of trip cost if the tour operator,
cruise line, airline or other travel supplier declares
bankruptcy more than seven days after the effective date of the
policy.
· Change Your Mind – protection against
cancellation fees when a trip is cancelled for any reason.
Please keep in mind that these benefits are subject to change,
but at the time of this printing, are available. The above
describes a comprehensive cruise or travel insurance policy.
However, as they say, one size dose not fit all. You need to
match your coverage requirements and budget restraints. Again,
dealing with Travel Guard International, some of their popular
products include:
· Cruise, Tour and Travel – Travel
Guard’s most comprehensive travel insurance plan.
·
ProtectAssist – Solid travel insurance for the budget-conscious
traveler – and Travel Guard’s most popular plan.
· Cruise
Guard – Travel insurance designed to surpass the protection
plans offered by the cruise line.
· Air Ticket Protection
– Protects air ticket investment against change fees, adds other
assistance services.
· Student Travel Guard – A portfolio
of student travel insurance plans protecting students on
virtually all types from Spring Break to Semester Abroad.
We have identified, through the use of Travel Guard
International’s plans and policies a vast number of cruise
insurance options. We have stated before, but at the risk of
being too repetitive, I think that it is important to
re-iterate. “You get what you pay for. Buyer beware!”
If
you would like more information regarding
Travel Guard
International or would like to get a quotation for cruise or
travel insurance, check out our article “Travel Guard
International Cruise Insurance”. You can find the link on our
Article Map listed on the Bio.
You’ve researched for your
special cruise. You’ve found a fantastic cruise deal on-line.
You’ve booked that cruise on-line. You’ve protected your cruise
vacation investment by booking your insurance on-line. Now all
that’s left to do is to get excited!
About the Author:
Brian A Schmidt is the author and web publisher of
http://www.a1-discount-cruises.com your #1 source for cruise
information, discounts and great deals! For more interesting
articles visit our Article Map pages. If you have any questions
regarding choosing cruise lines contact us at
info@a1-discount-cruises.com using subject line "Questions".
