Finally, it is here, FINALLY. After arguably, one of the most trying times our world has seen, summer is finally here! If all goes fine, we would be able to travel. Of course there would be some significant changes made in the ways that we spend our time, one thing that remains constant – the need for a travel insurance. Yes, you read that correctly – travelling requires insurance, it always has. The common consensus that we often see, however, is that most people have no idea that that travelling insurance should make a vital part of their ultimate carry-on guide for summer travel.

In this blog, we’ll provide you with a comprehensive guide to travel insurance so that when you travel this year around, you know that you’ll be safe from any types of mishaps or misfortunes that might plague your travels.

What is travel insurance?

Travel insurance is an insurance coverage plan that protects you and your family from certain financial or physical crises that can occur while traveling. Travel insurance come in numerous plan specifics and can cover losses that are minor, all the way up to large-scale losses such as a last-minute trip cancellation or a medical emergency overseas.

Travel insurance isn’t only restricted to the aforementioned assistances, it can also be expanded to cater to your personalized needs, depending on your travel plans and assorted budget. Plus, it is important to note that a primary travel insurance won’t cover every situation under the sun. You’ll need a specified plan for that. Moreover, this type of insurance is mainly designed for unforeseen events. For instance, if you wait to buy a travel insurance for your beach trip until after a named hurricane is reported to move towards your destination, your losses wouldn’t be covered.

When do you need a travel insurance?

Unforeseeable circumstances and emergencies can arise any time you take a trip. Thus, you’ll need a travel insurance to help cover your losses in such a case. In short, you’ll need a travel insurance every time you travel.

In case of a trip cancellation, it provides for the reimbursement for unused, non-refundable, prepaid trip costs for reasons such as sickness, job loss, flight cancellations due to adverse weather, etc. Plus, it also covers trip interruption which are caused due to specific events. Moreover, it also helps you out when you need an additional travel/ transport service during your trip – for specific reasons.

How does a travel insurance work?

In the instant that you encounter any of the aforementioned conditions and events before or during your travels, you’ll file a claim involving your insurance provider. In the wake of this action, travel insurance reimburses you for your covered financial losses.

Now that you know just how important travel insurance is, you’ll need to find an insurance agency that provides you the adequate plans, according to your precise needs. At Paradiso Insurance, our experience and the advantage of being a local agency helps us understand your travel needs quite well. Come, visit us or give us a call to find out more.