Help Your Clients with their Travel Worries

  • Angela Borden
Feb 14, 2017

Let’s face it —people are nervous about traveling.

2016 was a difficult year for travelers with a long list of events impacting the health and safety of people all over the world, and 2017 has started off on troubled footing as well.

To help mitigate your clients' worries about travel, it's important to educate them about the ways that travel insurance can help them navigate unexpected travel situations.  

Consumers’ fears about travel generally fall into two buckets, each with its own solution:

  • If they are most worried about losing money they spent on their trip, a trip cancellation plan is the best option.
  • If they are most worried about medical expenses or specialty evacuations (political and natural disaster), a travel medical plan is a good choice.

Take a look at the scenarios below from 2016 and 2017 to find out how travel insurance can help your clients in uncertain times.

What happened in 2016?

Multiple terrorist events around the world Brussels, Nice, Syria, and Orlando are just a few of the locations that experienced acts of terrorism.
Concern: “I want to cancel my trip if a terrorist event occurs at my destination.” Solution: Both RoundTrip Economy and RoundTrip Elite allow you to cancel if a terrorist incident (as defined in the policy) occurs within 30 days of your departure date in a city listed on your trip itinerary if that city did not have a terrorist incident within 90 days of the incident that is causing you to cancel your trip.
Special considerations:

  • For coverage of the event, the U.S. Government must declare the incident an act of terrorism.
  • Consumers must buy the plan before the terrorist event occurs.
A Second Solution: Cancel for any Reason (CFAR), offered through RoundTrip Elite, allows you to cancel for literally any reason you want, provided you meet these requirements:
  • You must buy CFAR within 20 days of paying your trip deposit and within 15 days of payment for subsequent travel arrangements added to your trip.
  • You must buy coverage for 100% of your prepaid trip costs that are subject to cancellation penalties or restrictions.
  • You must cancel the trip 2 days or more before your scheduled departure date.
  • You will be reimbursed for 75% of your nonrefundable trip deposits, not 100%.
  • You must pay a 40% increase in price for this benefit.
Concern: "Am I covered if I get hurt due to a terrorist event?"

Solution: Our travel medical and trip protection plans both provide coverage for this. There is a designated amount for coverage with our travel medical plans which varies from $50,000 to the chosen medical maximum. Trip cancellation plans cover these types of expenses in the medical expense benefit. 

Learn more about coverage for terrorist incidents here.

Zika While mainly a concern for pregnant, could-be-pregnant, or planning-to-be pregnant women, the Zika virus continues to cause worry for individuals traveling to areas with infected mosquitoes.
Concern: “I am planning a trip to Cancun but I’m trying to get pregnant. What if I find out I’m pregnant and want to cancel my trip?”
Solution: RoundTrip Elite with CFAR is your only option. There is no specific trigger that will cover this scenario. Be certain to consider the requirements for CFAR listed above.

Winter Storm Jonas In January, this historic blizzard dumped three feet of snow on the Mid-Atlantic and Northeastern United States, causing the cancellation of 13,000 flights.
Concern: “What if my flight is delayed or cancelled due to the blizzard? What if that causes me to miss my cruise? What if I am in a wreck on my way to the airport?”
Solution: RoundTrip Elite includes a long list of triggers for trip cancellation and interruption, including inclement weather and a traffic accident while en route to your scheduled point of departure. There are also separate benefits with listed triggers for trip delay and missed connection.
A Second Solution: For members who want to be certain they are protected for absolutely any reason, CFAR is the answer. Again, read the fine print regarding CFAR’s requirements.

Natural DisastersIn September, Hurricane Matthew caused destruction from the Caribbean to the Southeast U.S., and there were major earthquakes in Ecuador, Italy, Taiwan, and Indonesia.
Concern: “What if I am on a trip and a natural disaster occurs?”
Solution: Two of our travel medical plans include natural disaster evacuation coverage (Liaison Majestic has a $100,000 limit, and Liaison Continent has a $10,000 limit.) With this benefit, we will arrange and pay to evacuate you to the nearest safe place, pay for up to 3 days of accommodations if you are delayed at the safe location, and arrange and pay for a one-way economy airfare home. This benefit can be used if:

  • Your location is uninhabitable or
  • You need to leave your destination to prevent imminent bodily harm or
  • You are complying with your destination country’s orders to leave and if officials of that country or the U.S. Embassy have recommended you leave.
Political Turmoil in TurkeyJuly of 2016 saw a failed coup in Turkey; people were killed and injured, and buildings and property were damaged.
Concern: “What if a political or military event occurs at my destination, and I need to leave?”
Solution: Two of our travel medical plans include political evacuation coverage (Liaison Majestic has a $100,000 limit, and Liaison Continent has a $10,000 limit.) If a formal recommendation from authorities is issued for you to leave your destination, we will arrange and pay to transport you to the nearest safe place or to your home country.

What’s happening in 2017?
The main concern currently is the President’s executive order for immigration. Because this is a new situation, it has created confusion for travelers.
“I am currently residing in the United States on a green card and in the middle of planning a trip to London. What if I want to cancel my trip later because I am worried I won’t be able to get back into the United States if I leave?”
RoundTrip Elite with CFAR can help by reimbursing 75% of your nonrefundable trip expenses. However, it will not help if your trip is interrupted or delayed because you are detained on your return to the United States or prevented from entering the U.S.

Important Note: Remember that you must be located in the United States when you buy RoundTrip Elite. Our plans cover a long list of triggers for trip cancellation and interruption, but because the executive order is not a listed trigger, it is not covered.


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