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 unforeseen travel-related expenses, such as those incurred for medical and health emergencies that may arise during your trip. Because many things cannot be anticipated on trips, trip insurance can provide some financial protection in the event a trip has to be canceled due to an injury, sickness, or death. Another benefit of purchase trip insurance is it acts a form of emergency financial 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
- 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?
Some examples of things not likely to be covered include:
- Cancellation due to war
- Cancellation for terrorism, unless the destination only recently experienced terror attacks
- Cancellation for bad weather, unless the weather is extremely threatening.
- Cancellation because of an outbreak of disease
What If I Have a Dispute over My Policy with My Insurer?
If an insurance company backs your plan, then it is regulated by a state Insurance Department, and potentially federal insurance regulations. The first step in any dispute would be to contact the insurance company directly and attempt to resolve the issue. Next, it would be wise to get in touch with a representative of your state Insurance Department for help, particularly if it seems as though the insurance company is not following provisions of the policy.
Do I Need A Lawyer?
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. A estate lawyer will be able to review the facts of your case and help you decide whether a lawsuit is warranted.