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Thursday, September 24, 2020

Getting Acquainted with Travel Insurance

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Technology today makes our world seem small, but the fact is that our horizons—travel horizons, that is—are broader than ever. And forward-thinking travelers know that travel insurance is a smart move. Here’s how it works and why it’s worth it, as articulated by Mike Rhead, AAA Travel Insurance Sales Manager.
 
Q: What exactly is travel insurance, and how does it work?
A: Travel insurance is essentially a safety net for our traveling members. AAA offers comprehensive, benefit-rich travel insurance products designed to protect your nonrefundable travel investment if cancelation is necessary for a variety of unexpected covered reasons. Travel insurance helps travelers recoup financial losses due to certain travel delays; helps protect damage or lost baggage and personal items; pays medical bills for covered emergency medical needs; pays for life-saving emergency medical transportation for covered medical needs; includes 24/7 travel assistance and much more.
 
We can cover trips from two to 365 days, virtually anywhere in the world. The cost of travel insurance ranges from two to 15 percent of the overall cost of the trip, depending on the policy selected and the age of the traveler. We offer family policies with free insurance for children 17 years and under traveling with parent or grandparent. A family of four with two children can insure their entire trip for as little as $160.
 
Q: How is the rate determined? Is it a flat fee or is based on the price of your trip?
A: Rates are determined by the amount of the non-refundable trip cost insured and the age of the traveler.
 
Q: Do you recommend it for every trip or just more expensive trips?
A: AAA strongly recommends travel insurance on virtually every trip. The only circumstance we may not recommend it would be if the trip cost is refundable and if the member is traveling to a location at which their primary medical insurance is valid. Even under these circumstances, the traveler can get travel delay, baggage and personal items coverage, as well as 24/7 travel assistance.
 
Q: Do you have to purchase travel insurance at the time you book your travel or can you add it at a later date still before your trip?
A: AAA is able to offer most travel insurance policies up to the day before trip departure, although some benefits are tied to buying the policy within 14 days of the first trip payment and insuring the entire non-refundable trip cost. AAA always recommends travel insurance be purchased within 14 days of making the first trip payment and that all of the non-refundable trip cost is covered. By doing so, members get the maximum benefits we have to offer.
 
Q: Do you have a story you'd like to share of someone you know of whose vacation was saved because of travel insurance?
A: Every week AAA customers recoup dollars lost as a result of an unexpected cancelation by filing a claim with our travel insurance vendor.

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