Travel Insurance

Quality travel medical coverage at a reasonable price.

  • Travel Insurance Plan
    Save on travel insurance plans designed to cover travelers travelling internationally or domestically
  • Business Travelers Insurance
    Check the options to suit various needs and budgets, each providing year round protection of international and domestic travel
  • Student Travelers Insurance
    emergency medical services coverage, trip cancellation coverage, accidents, lost baggage, missed flights, theft or other international emergencies
  • Affordable Cruise Insurance Plans
    medical expense coverage, trip interruption, emergency travel services
Naturally, all policies can differ in requirements and various restrictions.

The purpose of travel insurance is to provide protection for travelers against the unique risks associated with travel, before trip departure and during the trip itself. Many of these risks, such as trip interruption, are not generally covered by any other insurance available to travelers.

Trip Cancellation

It is an unfortunate fact every year thousands of people have to cancel their holiday unexpectedly due to reasons of illness, injury or unforeseen circumstances. To add to the disappointment, if you do not have adequate travel insurance you could be liable for a cancellation charge which could amount to the full cost of your holiday.

Get a quote and even purchase your protection online via an on-line secure and encrypted server

What is Travel Insurance?

Travel insurance protects a travelers vacation cost against cancellation and interruption while also providing medical, lost or damaged property and travel delay coverage. Travelers are reimbursed if they have to cancel or interrupt their travel, they are also covered should the need arise for emergency medical treatment, medical evacuation and a number of other situations.

Travel insurance

Trip Cancellation
Reimburses travelers unable to take their trip due to Illness or death (of the traveler or a family member), weather, airline strikes, terrorism, bankruptcy, becoming unemployed, jury duty or their home being rendered uninhabitable due to fire/flood etc.

Trip Interruption
Reimburses travelers if they have to cut short their trip due to Illness or death (of the traveler or a family member), weather, airline strikes, terrorism, bankruptcy, becoming unemployed, jury duty or their home being rendered uninhabitable due to fire/flood etc.

Reimburses medical and emergency dental costs. Almost all travel insurance plans work by reimbursing the traveler after they have paid locally for treatment. Claims are usually paid within 7 to 10 days. Pre-Existing conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveler made the first trip payment (deposit).

Medical Evacuation
Provides emergency transportation to either a local hospital in the event the traveler is unable to get there by themselves or back to a hospital near the travelers home. If family members are covered on the same policy they can return home also.

International Medical Insurance
International Medical Insurance is short or long term insurance designed to reimburse you for medical expenses incurred while traveling or living in a foreign country. Maximum policy coverage is usually large enough to cover major medical expenses such as emergency surgery and extended hospital stays. Overseas medical insurance coverage is usually subject to a specified deductible and co-insurance or co-pay. Plans may include emergency evacuation, reunion, and repatriation benefits as well as other travel assistance services. The plan coverage may be single trip, multi-trip or renewable.

visitors to the USA, immigrants, US visa workers, foreign students who study inside the US, US students who study abroad

Types of Accidental Death coverage

Air Flight Accident
Covers death or dismemberment during an air flight only. Usually provides the highest amount of coverage due to a lower risk.

Common Carrier
Covers death or dismemberment while traveling on public transport such as, plane, ferry, train, bus ortaxi.

Accidental Death
Covers death or dismemberment at any time on your trip. Usually provides the lowest amount of coverage due to a higher risk.

Travel Delay
Reimburses travelers for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up to a cruise should a delay cause the traveler to miss embarkation.

Baggage Loss
Reimburses travelers for lost, stolen or damaged personal items. This coverage is usually for the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for such as jewelry, laptops and sporting goods.

Rental Car Damage
Reimburses travelers for damage or loss to a rental vehicle. It is designed to allow the traveler to decline CDW (collision damage waiver) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often identical to the coverage provided in the policy.

Assistance Services
Provides a 24 hour collect call advice and assistance service to travelers. This service can be used anytime a traveler needs advice.

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