{"id":1170,"date":"2021-01-27T13:26:00","date_gmt":"2021-01-27T18:26:00","guid":{"rendered":"https:\/\/www.chameleonjohn.com\/blog\/?p=1170"},"modified":"2021-01-27T13:26:26","modified_gmt":"2021-01-27T18:26:26","slug":"what-is-travel-insurance","status":"publish","type":"post","link":"https:\/\/www.chameleonjohn.com\/blog\/what-is-travel-insurance","title":{"rendered":"What is Travel Insurance?"},"content":{"rendered":"\n
\"World<\/figure>\n\n\n\n

Planning a big trip? You’ve got the whole world in your hands. Have sites been trying to get you to buy Travel Insurance? Depending on what site you use to book your trip, they likely have tried to push Travel Insurance on you, and you probably asked yourself \u201cwhat the heck is this?\u201d<\/p>\n\n\n\n

Well, I\u2019m here to answer your question. Travel insurance is\nmuch like any other type of insurance: it\u2019s meant to cover unexpected expenses\nand issues that arise while traveling. If you choose to get travel insurance,\nit is something that will cover any medical expenses, cancellations, lost\nluggage, flight accidents and any other losses that may occur while traveling.\nTravel insurance can be purchased, with all costs covered, for trips both\ndomestic and international. Like most other types of insurances, travel\ninsurance reimburses you for any missing items or damages from a financial loss\nafter your claim is approved.  What\u2019s\ncovered and how it is covered can vary greatly depending on your plan, which\nare based on the length of the trip and age of travelers, so make sure to read\nall of the options and fine print if you decide on a particular plan!<\/p>\n\n\n\n

Should I\nBuy?<\/strong><\/h2>\n\n\n\n

The option is entirely yours; however, some trips may be\nwell worth the additional cost depending on a few variables. There are different\ncompanies that provide different coverage based on the type of trip you plan on\ntaking. There are also different insurance companies for family vacations, solo\ntravel and long trips.<\/p>\n\n\n\n

If you\u2019re spending more on your trip than you\u2019re willing to lose, Travel Insurance is something that would be highly recommended. It can, in the long run, end up saving you some money. If you want to protect yourself against any unforeseen costs, Travel Insurance is the way to go.  Plus, if you still aren\u2019t sure, getting a quote is quick and, most of the time, free.  Just fill out a quick questionnaire online or call your travel insurance agent and discuss the range of possible plans that can fit your budget. You may be surprised at the cost of Travel Insurance, it’s relatively affordable, but some companies offer different levels of protection. World Nomads<\/a> offers Standard Levels and Explorer Levels, and depending on your type of travel and experience, you would be easily able to figure out which is best.<\/p>\n\n\n\n

Benefits<\/strong> of Travel Insurance<\/h2>\n\n\n\n

Benefits can vary by plan.\u00a0 Pick one that fits your wants, needs, and budget.\u00a0 Plans can also provide 24\/7 services such as concierge and emergency travel assistance.\u00a0 Think AAA while you\u2019re away.\u00a0 Some credit card issuers, like American Express<\/a>, offer automatic travel insurance if the trip was paid for by their credit cards.\u00a0 It’s good to note that there is an important distinction between travel insurance and insurance garnered through a travel credit card. A travel credit card may protect you from instances like lost luggage, missed airline, bus, and train appointments, or refunds from guide or touring companies. The difference lies here: medical coverage. It is highly unlikely that a\u00a0travel credit card<\/a>\u00a0will cover you for any injuries and\/or hospitalizations while on your travels. If medical coverage is important to you while abroad, your best bet is most likely to go with a travel insurance company.<\/p>\n\n\n\n

Negatives<\/strong> of Travel Insurance<\/h2>\n\n\n\n

Not all insurances can cover every situation imaginable.  Timing is everything. For example, if you buy insurance AFTER a foreseeable event has been declared, such as a hurricane or other natural disaster, you won\u2019t be covered.  That\u2019s why we recommend buying travel insurance right after you made your plans, since the earlier you buy, the more you can be covered for.  According to the Department of State, the US government does not provide medical insurance for US citizens overseas.  This can be a problem since certain countries require you purchase medical insurance in the event anything happens to you during a trip.  So make sure you are covered medically overseas in case you suffer from a fall or eat something that may give you food poisoning.  <\/p>\n\n\n\n

Where Do\nI Buy?<\/strong><\/h2>\n\n\n\n

There are multiple places where you can find Travel\nInsurance that offer a variety of different packages and deals for your\nget-away vacation, so in the long run, it\u2019s your personal preference. Comparing\nall of the different companies and services can be an overwhelming task,\nthough.  To help, here are a few options\nto look into to get you started:<\/p>\n\n\n\n

World Nomads<\/a> Travel Insurance<\/p>\n\n\n\n

Allianz<\/a> Travel Insurance<\/p>\n\n\n\n

USAA<\/a> Travel Insurance<\/p>\n\n\n\n

American\nExpress<\/a> Travel Insurance<\/p>\n\n\n\n

And check out Travelinsurance.com<\/a>\nto compare all of these sites for your next trip!<\/p>\n","protected":false},"excerpt":{"rendered":"

Planning a big trip? You’ve got the whole world in your hands. Have sites been trying to get you to buy Travel Insurance? 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