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All About Trip Insurance
The thing about Travel Protection is there is so much fine print!
How do you know if the policy you choose will cover you!
As a Personal Vacation Planner, I can share all my knowledge about Trip Insurance to help you better prepare for those unexpected hurdles that could arise! I can help you find the best possible coverage at the most affordable price for your budget!
I give thorough documentation to accompany all the policies I execute for my clients so that they know exactly what they're getting and have plenty of time to make their decisions! I know the best way to help you get all pre-existing conditions waived for maximum medical coverage while you're away, or in case the unexpected causes a need for cancellation; I can help in real time while on your trip if your luggage is lost or delayed and I do all the behind the scenes work to help connect you with your carrier to get you help timely to minimize any stress that would normally come with these unfortunate incidences!
Do I really need trip insurance?
Travel Protection is always recommended! There are so many things that can cause unexpected disruption to your vacation plans and being prepared bring peace of mind. Travel plans are an investment that you work hard for. Why shouldn't you be prepared for anything. Whether it's a last minute cancellation due to health concerns or an unexpected trip interruption that has you coming home early. Maybe your luggage is lost or delayed and your hopping a cruise to the Caribbean with nothing but your carry-on. Your Travel Protection helps you in those moments you would least expect to need it!
The Fine Print and
What will my policy cover?
There are so many technical terms, the fine print can be over whelming but I have examined several Travel Protection Agencies to make sure I'm putting you with the best possible options for your budget! As a personal vacation planner I partner with Chubb Travel Protection to bring you amazing coverage for most everything you can think of!
Check out Their Policy Coverages Here!
They make the fine print easy to understand and you know exactly what you're getting and any exclusions that may apply right up front without worrying about being blind-sided later!
Is it hard to make a claim?
Absolutely not! Chubb Travel Protection gives you clear cut instructions on exactly what to do from the signing of your policy through to the last day of your trip. Need assistance? You'll be provided with everything you need to make General Inquiries, Access Mid-Trip Assistance, or Make Claim Inquiries. They give you active links to claim forms, the Chubb Claims Team, and Email right from the get-go. In addition they are available 24 hours a day, 7 days a week, 365 days a year for assistance, and the general claim and executive offices are open M-F 8am- 8pm. I am available to you 24/7/365 to assist you with your travel protection and help connect you to Chubb should the need arise. I will assist you as a liaison between you and my vendor partner as needed giving you extra peace of mind.
So How Much Coverage
Do I need?
Though your policy will include coverage for things like lost luggage, or medical expenses, the amount of coverage you need is based off the actual out of pocket cost you incur to go on your trip. Things like the cost of your airfare, cruise fare, all-inclusive resort, hotel, pre-paid transfers, car-rental. Anything you pre-pay before you go can be covered and determines the premium you will pay. You only need as much coverage as what you're paying out of pocket, but your policy will give you so much more should the un-expected arise.
Claims, how to get the most out of your reimbursement
How Do you get the most out of your policy?
How can you get the most reimbursement from your policy should you need to make a claim?
The first recommendation is to make sure you purchase your Travel Protection Policy within 15 days of your initial deposit. When you do this, you will have any pre-existing conditions waived which will allow for you to gain maximum coverage and reimbursement while on vacation. This early purchase also allows for you to gain trip cancellation/interruption coverage due to default as well as any terrorist incidents which may not otherwise be covered under a policy purchased closer to your destination date. You can also opt for optional benefits such as flight accident coverage which is an nominal extra fee. When you do these things early on in the booking process, you'll maximize your coverages and reimbursements! I can help you figure all this out and help take all the guess work out of it. I can answer all your questions and connect you with a Chubb professional if you'd like to discuss it with an insurance agent in person!