At first glance, travel insurance policies seem to be written in a foreign language. The legal jargon (aka "legalese") can be confusing and downright boring. Within the text is important information you need to know in order to get the most out of your travel insurance plan.
That's why we put together this guide to help you navigate your policy like you've been studying law your entire life.
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Read Your Travel Insurance Policy Like A Pro
1. Satisfaction Guaranteed
TravelSafe give you 14 days from the date of purchase to go over your policy and decide if it works for you. If not, you can receive a full refund for the plan.
2. Schedule of Benefits vs. Optional Benefits
Know which benefits are included in your policy (schedule of benefits) vs. optional benefits like Cancel for Any Reason or rental car coverage. Optional benefits are add-ons.
Read about how Cancel For Any Reason works in this previous blog.
3. Non-Insurance Services
TravelSafe offers more than just insurance coverage. One Call 24-Hour Assistance provides medical, legal, and travel assistance. All their information can be found in your policy.
4. Need to Know: Time-Sensitive Benefits
Have a pre-existing condition? Need Cancel for Any Reason? These benefits are only available when purchased 21 days from initial trip deposit. Know the time-sensitive benefits.
5. Know What Is and Isn't Covered
Coverages: This section details what's covered for:
- Trip Cancellation
- Trip Interruption
- Missed Connections
- Travel Delay
- Itinerary Change
- Accident/Sickness Medical Expense
- Emergency Medevac
- Repatriation of Remains
- Non-Medical Emergency Evac
- AD&D
Exclusions: This section details the general exclusions and limitations of the policy. It also gives an overview of the Waiver of Pre-Existing Conditions as well as Economic or Trade Sanctions.
6. Policy Definitions
How terms are defined within a policy is important. This makes them easier to understand.
Bookmark Seciton III. It contains definitions of terms used throughout the form.
7. Payment of Claims
Section V contains details on our claim procedures. Reading this section thoroughly will help you in the event you need to make a claim.
It outlines what you need,, how to file the claim, and what you can expect from TravelSafe.
Always read your policy, because plan benefits, limits, and provisions may vary by state jurisdiction or may not be available in all states.
For help, call customer service at 888-885-7233.
