Travel Insurance 101

3 Ways to Get the Most Out of Your Travel Insurance Plan



Know Your Coverage


 To get the most out of your plan, make sure you know exactly what you’re covered for. Download a copy of the entire policy for your plan and make sure to review:

Schedule of Benefits: Usually listed in a chart located in the first couple of pages of your policy, this will help explain what you’re covered for and in what amounts.

Exclusions: Contrary to belief, not everything that goes wrong on your trip will be covered. Make sure to review both the list of covered events and the exclusions section of your policy to ensure you know exactly what you’re covered, and not covered, for and protect yourself against unwelcome surprises.



24/7 Travel & Medical Assistance Service


The 24/7 travel and medical assistance phone number associated with your travel insurance plan is for more than just medical emergencies. While you should always call this number if a major medical incident happens on your trip, here are some other ways this number can be used prior to and during your trip:

Concierge services: restaurant reservations, event tickets, tee time reservations, delivery services

Travel emergencies: booking and rescheduling flights, arranging transportation back home, passport replacement



Keep Those Receipts!


Your flight is delayed, you miss your connecting flight, your baggage is stolen, or you go to the doctor for a small medical incident. If you’re unsure whether these circumstances are covered by your travel insurance plan, don’t hesitate to keep any and all documentation you can! The more documentation you can provide about this unexpected incident that happened on your trip, the more likely your claim will be approved and you’ll receive reimbursement for those out of pocket expenses. Some examples of documentation would be:

  • Any and all receipts for unexpected out of pocket expenses

  • Airline incident reports

  • Police reports

  • Medical bills or invoices