What Is Trip Insurance?Similar to travel insurance, trip insurance usually provides insurance for trip delays, trip interruptions, trip cancellations, and related problems. In addition, it may also cover additional travel-related expenses such as those incurred for medical and health emergencies that may arise during your trip. As many things cannot be anticipated on trips, trip insurance can provide some financial protection if you have to cancel a trip because you or a traveling companion suffers an injury, sickness, or death. You can also purchase trip insurance to aid you if you need emergency assistance during the trip. What Kind Of Coverage Is Included In Trip Insurance?There are many variations of trip insurance plans. Typical coverage may provide for: - vacation and trip cancellation
- travel interruption, delays, and cancellations
- for missed connections
- medical emergency, dental emergency, and other health-related expenses
- expenses due to lost or delayed baggage
- accidental death or dismemberment
What Is Typically Not Covered In Trip Insurance?It is recommended that you examine your coverage carefully and learn what is not covered. Some examples of things not likely to be covered include: - Cancellation due to war
- Cancellation for terrorism - unless your destination has experienced recent (within 30 days) terror attacks
- Cancellation for bad weather - unless the weather is extremely threatening. For example, if airlines have stopped flying to the area
- Cancellation because of an outbreak of disease
Where Do I Go To Resolve Disputes With My Travel Insurance Company Over My Trip Insurance Policy?If an insurance company backs your plan, then it is regulated by a State Insurance Department. You have the right to contact a representative of the appropriate State Insurance Department for help if you believe that the insurance company is not following the policy provisions in administering your claim. Do I Need A Lawyer For My Trip Insurance Issue?You can obtain trip insurance without an attorney. Most insurance companies only require you to complete a form about your trip and pay the insurance premiums. However, if the insurance company refuses to pay if a qualified event occurs, you may have a bad faith claim against the insurance company and need an attorney. An experienced attorney will be able to review the facts of your case and help you decide whether a lawsuit is warranted. |
