How Travel Insurance Can Help Your Clients

Oct 16, 2017

The last few months have seen some confusing and traumatic occurrences in the world, and many of the incidents have left travelers in difficult situations. In consideration of these events, we still recommend that travelers buy travel insurance. It is important they choose the best type of plan for their situation. While travel insurance won’t solve every problem, it will offer a solution for many.

We have a few reminders to help your clients:

It’s a good idea to buy a travel protection plan (RoundTrip Economy, Choice, or Elite) if you are traveling during hurricane season and during winter months when storms can arise as well. Remember, travelers must buy the plan before a storm is named. Otherwise, there is no coverage.

If your clients want to be able to cancel a trip for literally any reason possible, they need to buy Cancel for any Reason (CFAR), but they must understand the requirements for the benefit and adhere to them if they want to use it to cancel a trip. We offer CFAR on both RoundTrip Elite and RoundTrip Choice. You can find a nice summary about CFAR here.  

It’s important to pay attention to travel warnings and travel alerts. Remember that a travel alert does not affect travel insurance, but it is an important reminder from the Department of State (DOS) to be aware of specific considerations before traveling to a destination.

A travel warning is different. It can affect coverage for both travel medical (our Liaison series of plans) and trip protection plans (our RoundTrip series of plans).

How a Travel Warning affects coverage on a travel medical plan. 
For our travel medical plans, a Travel Alert has no effect on coverage. A Travel Warning affects these benefits:

Political evacuation — This benefit will not pay if the insured does not heed DOS Travel Warnings to avoid a certain country.

Terrorism — This benefit will not pay if the U.S. government has issued a Travel Warning for the insured’s destination within the six months prior to the insured’s arrival there.

How a Travel Warning affects coverage on trip protection plans. 
Roundtrip Elite, Economy, and Choice include a trigger for cancellation and interruption which allows insureds to cancel/interrupt their trip if a terrorist incident occurs at their destination, if it is within 30 days of departure and if that same city has not experienced a terrorist incident within the 90 days prior to the incident that is causing the insured to cancel their trip. The term terrorist incident is defined in the plan document as an act of violence that is deemed terrorism by the United States Government. The plan requires the terrorist incident to be documented in a Travel Warning issued by the DOS advising Americans to avoid that country.

Ultimately, it is up to individual travelers to assess the risk with traveling to certain destinations. Purchasing a travel insurance plan is one important way to address the this risk. However, it is important that your clients understand the type of protection they need and the protection they receive from the plan they purchase.     

If you need to provide your clients with real life examples of how travel insurance helps with different types of travel risks, consider sharing our blog, How to handle Scary Travel Predicaments with them. 

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