Recreational travel is on the move again! With COVID fears easing, bookings to exotic locales around the globe are on the rise. If you’re planning a once-in-a-lifetime vacation to your dream destination, you want everything to be perfect. But a sudden illness or unexpected accident could derail your plans.

Before you pack your bags, it’s worth a moment to think about your backup plan if something goes awry while you’re away. Being ill or injured when far from your familiar medical resources and support system can quickly turn even a minor problem into a major nightmare.

Why Would I Need Travel Insurance?

Imagine you’re traveling and become injured while hiking.Besides understanding how your health insurance may respond in another country, if you’re in a remote location, you need may need on-scene medical care and emergency evacuation.

Or maybe you’ve planned a week of reef diving but a sudden storm spoils your plans. If the trip is pre-paid, you may suffer a significant financial loss.

Or you become unexpectedly ill, need specialized careand require emergency transport home.

Single-trip travel insurance can help. If catastrophe strikes while you’re away, a one-trip travel accident policy can help in situations from the routine to the extreme.

A single-trip travel policy protects you in the event of

• Missed flights and trip cancellation
• Lost luggage
• Interruptions in service due to corporate bankruptcy (e.g., a scuba diving provider suddenly ceases operation after you’ve purchased tickets)
• Travel assistance services (replacement of lost passports, rebooking related to loss, translation services, medical referrals, legal referrals, identity protection)
• Medical care on scene
• Injury due to accidents (evacuation by auto, bicycle, scooter, boat, etc.)
• Weather/geologic emergency cancellation (tsunami, earthquake, etc.)
• Evacuation by emergency personnel (helicopter, boat, or land transport)
• Evacuation and repatriation due to political unrest
• Accidental death or dismemberment benefits

Wherever you may be in the world, don’t leave your insurance protections behind. With a single-trip travel policy, you’re covered. Key advantages of single-trip policies include…

• Reasonable premiums. Because trip insurance typically covers a limited scope in both time and geographic area, premiums are typically affordable.
• Medical needs are covered. If you become ill or injured while traveling, your trip insurer pays the cost, not your medical insurer.
• Tailored to your needs. You, the traveler, set the parameters of the policy so you pay for just the coverage you want.
• Trip interruption benefits reimburse you for the costs of the unused part of your trip if you are forced to cut your stay short, and may cover the costs of repatriation.
• Potential COVID-19 coverage. Some insurers are adding coronavirus protections to their policy offerings to protect travelers who become infected while away.

Travel Often? Try Year-Round Coverage

If you’re a frequent business or pleasure traveler, you may want to explore the option of a year-round comprehensive policy. Year-round travel insurance isn’t limited to the parameters of a single trip—it covers you, the traveler, wherever you go, whenever you depart, and whenever you return.

• Comprehensive coverage means you’re protected 24/7/365.
• Individualized protections can be added to meet your unique needs.
• Premiums are charged annually, not on a per-trip basis

If you’re a frequent traveler, a comprehensive annual travel policy can ensure that you have basic protection and medical evacuation and a consultant to coordinate it with your physicians forthe peace of mind you deserve.

Tips for Purchasing Travel Insurance

• Beware of exclusions. Try to select a policy with the fewest restrictions.
• Check for double-coverage. Don’t pay for the same coverage twice. Some life insurance policies have travel riders, so be sure you’re not spending more than you need.
• Insure before you book. Purchase your travel insurance policy BEFORE you reserve your tickets or accommodations.
• Work with a trusted insurer with a proven track record of service.

At MAGIS, your travel plans matter. We understand how important your next business or pleasure trip is. We are ready and eager to help you understand travel insurance plans that work the way you do.

Ask about customizing your policy to fit your next trip… or consider an annual travel policy to meet all your business and vacation travel needs.

Contact MAGIS today!