Medical Insurance
Because medical emergencies can happen while traveling.
“We receive calls each year from our travelers. Some of the emergencies we hear about include:
- Fractures from falls, often to the hip, ankle, tibia, and fibia
• Cardiovascular problems, such as heart attacks and strokes
• Trauma, often from car accidents and scooter/moped crashes
• Pulmonary/respiratory problems - When you have travel insurance, all you have to do is call your 24-hour assistance hotline.
Because it can be expensive to get emergency medical care overseas
Most hospitals overseas will not accept your domestic health insurance card. They want your credit card instead because they expect payment up front before you receive care. If you’re not prepared to pay all your medical bills out of pocket, you may want to consider travel insurance.
When you’re protected by a travel insurance plan with emergency medical benefits, Allianz Global Assistance’s team can work to guarantee payment to doctors and hospitals so you can be treated as quickly as possible following a covered injury or illness. Their Assistance team will continue to monitor your treatment, provide guidance and reassurance, and, if necessary, determine how to safely transport you home.
Read more about how travel insurance can help you when you experience a medical emergency.
Your next trip can be enriched with special SELECT amenities such as:
- VIP amenity valued at 100 USD
- Complimentary breakfast for two daily
- Upgrade upon availability
- Early check-in and late check-out upon availability
- Complimentary Wi-Fi
- Destination spending money when staying at a SELECT Villa
- And more!
Because it can be expensive to get a medical evacuation overseas
What happens if you get seriously hurt while traveling overseas and require medical evacuation by helicopter or ambulance? Without travel insurance, you may have to pay out of pocket.
Travel insurance with emergency medical transportation benefits can pay for you to be transported to the nearest appropriate facility if a covered illness or injury occurs during your trip and their medical assistance team determines that the local medical facilities are unable to provide appropriate treatment.
Read more about why emergency medical transportation costs are so expensive overseas.
Because you can’t risk losing money on a covered trip cancellation.
A travel insurance plan with trip cancellation benefits can reimburse you for prepaid, nonrefundable trip costs when you must cancel for a covered reason. These covered reasons vary according to the plan you buy, but can include things like:
- The insured traveler, traveling companion or a family member suffers a serious covered illness or injury.
- The insured traveler, traveling companion or a family member dies.
- Your airline, cruise line or other carrier ceases services for at least 24 consecutive hours due to a strike, natural disaster, bad weather or FAA-mandated shutdown.
- Your destination is rendered uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.
- Read more about covered reasons for trip cancellation.
Because cruise lines really hate giving refunds.
Cruise lines have especially tough cancellation policies. Even if you have a compelling reason, like a death in the family or a sudden illness, they can be reluctant to give refunds. While every cruise line has its own rules (and you should read them before you book), most refund $0 if you cancel less than 14 days before sailing. Cancel before then, and you’ll probably still lose money. Penalties range from the amount of your initial deposit up to 75 percent of what you paid.1 So if you’ve been wondering, “Why should I buy travel insurance for a cruise?”, this is reason number one.
Because delayed and cancelled flights happen.
Nothing will ruin the beginning — or the end — of your vacation more effectively than flight problems.
The next time you’re stuck in the airport because your flight is delayed (again), you’ll be much happier if you have insurance. Travel insurance with trip delay benefits can reimburse you for reasonable expenses — up to the limit specified in the policy — for meals, accommodation and transportation expenses incurred because of a covered travel delay of 6 or more consecutive hours. It can also reimburse the unused part of your prepaid, nonrefundable expenses — like the tour you missed because you didn’t get to your destination on time.
Because peace of mind is priceless.
Whether you’re planning a solo adventure or a grand, multi-generational getaway, the whole point is to relax and enjoy the journey. Travel insurance can ease your anxiety because you know you have protection in case of covered travel mishaps. Not only that, but you know you’re never alone. No matter how far from home you go, help is a call away.
Have questions about the best travel insurance to buy, or if travel insurance is necessary for your trip? Your Bucket List Luxury Advisors can help.
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