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When your plans hit a roadblock, we’ve got just the ticket.
The best laid plans of mice and men often go awry.
The quote popularized by author John Steinbeck certainly applies to global travel. Herculean efforts go into planning trips, yet the slightest wrinkle can threaten to derail them. International travel insurance is a firewall against disruptions, limiting your financial exposure when unpredictable events compromise your plans.
TRAVEL INSURANCE OVERVIEW
Trip Delay Insurance
Trip Interruption Insurance
Trip Cancellation Insurance
Cancel for Any Reason Benefit
How to Choose a Travel and Medical Insurance Policy
Who Can Benefit from International Travel and Medical Insurance?
INTERNATIONAL TRIP DELAY INSURANCE
Travel delayinsurance helps you get through short, unexpected pauses in your travel plans. It can reimburse you for lost prepaid expenses as well as costs you incur because of the delay, including:
Meals
Accommodations
Communication
Transportation
For an event to be considered a delay, it must last for the minimum duration specified in the policy.
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INTERNATIONAL TRIP INTERRUPTION INSURANCE
Trip interruption means having to leave your destination early to return home. It can also mean having to stay longer at your destination than you planned. Interruption insurance can refund lost prepaid costs minus refunds. It can also cover the cost of extra accommodations and transportation home.
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INTERNATIONAL TRIP CANCELLATION INSURANCE
This benefit covers situations when you must cancel your trip ahead of time. Eligible reasons for cancellation are explained in each policy. Trip cancellation coverage can refund prepaid, nonrefundable costs of a trip, such as airfare, cruise tickets, tour bookings and hotel reservations. In addition, if you prepaid for shared accommodations and your travel companion needs to cancel the trip, you can be reimbursed for your fees.
Trip cancellation coverage is included in all comprehensive travel insurance policies. It provides coverage for specific reasons detailed in each policy.
Usually, travel cancellation insurance (and cruise insurance) covers reasons including:
The unexpected death, illness, or injury of the traveler and/or a traveling companion that renders either unfit to travel by order of a licensed physician.
The hospitalization or death of a non-traveling family member.
Unforeseen natural disasters at home or the destination.
A legal obligation, such as being called for jury duty or to appear as a witness in court.
If you need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip costs for which you are insured and can provide documentation.
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NEXT LEVEL BENEFIT: CANCEL FOR ANY REASON
Cancel for Any Reason (CFAR for short) Waivers increase the cost of your insurance but expand the threshold of coverage. Requirements for CFAR include:
Reimbursem*nts are only available within 10-21 days of initial trip payment (specific details depend on the individual policy).
The policy holder must insure 100% of prepaid, non-refundable trip costs.
Cancellation with the travel vendor must occur between 48 and 72 hours of the departure date (details vary depending on the individual policy).
Benefits may only cover 50%-75% of costs (depending on the policy).
The liberating element of CFAR is that you can cancel your trip for any reason.
For example, travelers headed to parts of the world with civil or political unrest may want to purchase CFAR. This allows them to cancel if the region appears too unstable for comfort. However, any reason is sufficient as long as guidelines for cancellation are followed.
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How to evaluate an international travel and medical policy
Take time to choose a plan that will help you when you truly need it.
We wish purchasing and using travel insurance was as simple as making instant coffee. Unfortunately, it’s not quite that easy.
Why?
There are nearly 200 countries in the world and numerous reasons for travel (tourism, business, volunteerism). In addition, the worldwide COVID-19 pandemic introduced another layer of risk and uncertainty on travelers. As you can see, the background for travel insurance can sometimes be complex.
However, that doesn’t mean you can’t understand it. At MP Global, our goal is to provide transparent coverage that does what it says – no more and no less. However, in order for this to work, the customer must understand the policy. We encourage you to:
Read your policy documentation.
Ask questions.
Learn what the policy covers and what it doesn’t.
If there are date-related deadlines, learn what they are and write them down.
If you must keep documentation for expenses, find out what you need to keep and file it carefully.
Our goal is for you to have a surprise-free experience with your travel insurance. That starts with knowledge of your policy.
Finally, we’re here to help. Contact us if we can be of assistance in understanding a policy or helping you to determine which ones meet your needs.
Who could benefit from international travel and medical insurance?
The better question is, “Who wouldn’t benefit?” People who should consider coverage include:
Business travelers
Tourists
International mission trip teams
International volunteers/aid workers
Relatives visiting international family
Government representatives
Academic researchers/instructors
Religious workers
Medical personnel
And more
