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Trip Insurance Can Help Prevent a Random Emergency from Ruining Your Vacation
There’s nothing like missing a day or two of your vacation because of something outside of your control.
Just in case we’re hit with another government shutdown (let’s hope not) we’re sharing a few tips to help you prepare.
The best way to ensure you have coverage for these types of issues is to buy a trip insurance plan
with a cancel for any reason (CFAR) benefit. Because government shutdowns are rare occurrences, trip insurance plans do not have coverage triggers that relate directly to this situation. The CFAR benefit allows you to cancel your trip for any reason you wish.
If you decide to purchase CFAR, it’s important to understand how it works. There’s nothing worse than thinking you’re going to be covered, and then getting your claim denied.
If you’re buying CFAR …
• You must buy the CFAR benefit within a specified timeframe of paying your trip deposit and other expenses.
o Example: RoundTrip Elite
and RoundTrip Choice
allow up to 20 days.
• You must buy coverage for 100 percent of your nonrefundable prepaid trip costs.
o Example: Hotel rooms and plane tickets.
• You must also buy coverage for 100 percent of your nonrefundable prepaid trip expenses for subsequent travel arrangements you add to your trip after the initial down payment. You have 15 days from the date you pay for these subsequent expenses to add the coverage for them to your plan.
o Example: If you decide to take a boat tour in Amsterdam or see a show in London, it should be included.
• You must cancel the trip within the required time limit stipulated by your plan.
o Example: RoundTrip Elite and RoundTrip Choice require you to cancel two days or more before your scheduled departure date.
• You won’t be reimbursed for 100 percent of your nonrefundable trip deposits — you’ll receive a certain percentage of them.
o Example: With our RoundTrip Elite and RoundTrip Choice plan, you’ll receive 75 percent of your total trip cost.
In case of another government shutdown, here are a few more important things you can do to prepare:
• Call ahead to the airport to verify your flights are leaving on time and if there are any potential gate changes.
• Plan to arrive at the airport a few hours early due to potentially long lines at TSA checkpoints. The earlier the better. The airline may be able provide guidance on wait times.
• Read your policy to understand what is covered and call your insurance company
if you have questions. We’re happy to help clear up any confusion.
• When returning to the U.S., expect longer than normal wait times for customs. With fewer employees, wait times can be expected to be longer.
Though we can’t predict what’s going to happen in Washington, there are ways to help make sure you’ll get to enjoy your long-anticipated vacation. If you have questions about purchasing a trip insurance plan and what will be covered, reach out to our Inside Sales Team at 1.800.335.0611 or firstname.lastname@example.org. They are our coverage experts and will match you with the perfect trip insurance plan for your needs.
About the Author
Kelsey Tharp is a content marketing specialist with Seven Corners. In her free time she enjoys reading, writing, spending time with friends and daydreaming about her next vacation. At home, she’s surrounded by her dog and three cats pretty much at all times.
Read more of Kelsey’s blogs