ARUBA – Most travelers spend a lot of time and energy planning the perfect family vacations, but they often neglect to see the importance of getting a travel insurance policy.
“Anything can happen while on vacation such as an illness or accident and there is no way to prevent them from happening,” said Matthew Smillie, owner of Aruba Villa Vacation Homes, which specializes in vacation rentals Aruba. “While travel insurance cannot stop unfortunate things from occurring, it can offer piece of mind, in the form of monetary compensation.”
Most travel insurance policies cover:
Plane tickets, cruise fairs, tour packages, hotel rooms, luxury villa rentals, charter fishing boats and golf green fees are covered. The insurance will reimburse you for prepaid, non-refundable expenses if you need to cancel your trip before you leave. If your vacation were to be cut short and you are required to return home, the insurance will reimburse you for the lost portion of your trip as well as any additional last-minute flight expenses.
Restrictions apply to qualify for reimbursement, so be sure to ask the insurance company what is covered before paying for the insurance.
Within the United States, most medical emergencies are covered if you have existing health care insurance. The same may not be true when traveling abroad. Once you are outside the U.S., most companies do not provide coverage and if you are on Medicare, you are never covered abroad.
Travel insurance will give travelers reimbursement for the total amount of money that they spend on medical treatment, which can reach tens of thousands of dollars, depending on the type of injury or illness sustained. Travel insurance also covers emergency transportation expenses, so you do not have to pay for anything out of pocket.
Loss or Delays
This covers the smaller things on your trip, which can give travelers peace of mind.
Baggage coverage will reimburse you for your personal belongings if your luggage is stolen, lost or damaged. Baggage delay coverage will give you money to buy essential items until your delayed bags arrive to your tropical condo. Travel delay coverage will reimburse you for additional expenses if your flight is delayed, such as a hotel stay or restaurant meal.
There are additional policies you can add onto the plan you purchase such as life insurance, hazardous sports coverage, rental car collision, identity theft and more. Each plan is customizable to the way you are traveling and the place to which you are traveling.
The average cost of a travel insurance policy tends to be five to eight percent of your trip’s prepaid non-refundable cost. There are various online travel insurance companies that will give you quotes to ensure you get the best coverage for the lowest price.
“It is important for travelers to read the policy documents carefully to ensure that they cover what you expect, especially if you are someone who likes activities that come with a risk of injury,” said the Aruba villas professional who offers romantic vacation rental cottages.
Most travel insurance companies offer travel assistance and 24-hour emergency services to help their customers deal with unfortunate situations during their vacation. This kind of assistance is particularly important if you are in a country where locals do not speak your language.
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