Overseas Travel Insurance Services

10 Reasons to Purchase Travel Insurance

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency treatment while travelling.

To help you understand the importance of purchasing travel insurance and emergency travel services, here are 10 common examples of what could go wrong:


  1. It’s 1 a.m. and you and your immediate family have arrived for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights
  2. Your bag was lost with your medication inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Whom do you call?
  3. Your first visit to South America, and your passport and wallet are stolen. To whom do you turn for emergency cash, and how will you get your passport replaced?
  4. You’re involved in an accident and adequate treatment is not available. Who will help you arrange and pay for a medical evacuation?
  5. If your spouse becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
  6. You arrive in Dubai and your luggage does not arrive. If it’s lost, who will help you find it? If it’s delayed, who will pay for your necessities? If it’s stolen, who will pay to replace it?
  7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses and get you to your destination?
  8. You’re walking down a street in Ecuador and twist your ankle. Who can help you find an English-speaking physician?
  9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?
  10. You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?



Does travel insurance cover terrorism?

Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance can cover terrorist incidents both in the United States and abroad.

How does trip cancellation and interruption coverage work?

It reimburses for forfeited, non-refundable and unused payments or deposits if the traveller must cancel or interrupt their trip due to a covered reason.

How much does travel insurance cost?

The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveller. Typically, the cost is five to seven percent of the trip cost.

What happens if a traveller must cancel their vacation?

Often a traveller will lose non-refundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan can provide trip cancellation coverage for the travellers’ vacation investment—the insurance company reimburses the traveller for all pre-paid, non-refundable expenses for a covered loss.

What other coverage is typically included in a travel insurance plan?

In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses and emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility reimbursement for accommodations and expenses.

Why should a traveller buy travel insurance?

Travel insurance gives travellers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism, or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveller to cancel or interrupt their plans, they face two major financial losses—money invested in non-refundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.

If you need to obtain travel insurance, we will be glad to offer you our services. Simply contact us or drop in an inquiry.


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