As we always say, travel insurance is not the right purchase for every traveler. Most of you may not even consider a travel insurance plan for a small weekend trip. Depending on the type of trip you are taking, the right insurance plan should not be overlooked.
A Quick Guide to Needing Weekend Trip Insurance
- Are you traveling 100-150 miles from home?
- Are you renting a house or a car?
- Is your hotel room non-refundable?
- Are you attending an event with prepaid tickets?
- Are you taking part in an activity that may cause an injury?
A road trip to spend a weekend enjoying the beautiful leaves in the New England fall season may not be the best trip for insurance. You are probably driving your own car and may even be skipping the cost of a hotel to bunk with family or friends. With not much expense associated with this trip, there isn’t much a plan can help to cover.
The aforementioned trip is very different from a non-refundable, long weekend to Las Vegas with your friends. You’ll most likely be booking a flight, a hotel stay and possibly even tickets to a show while you are there. If all of these costs are pre-paid and non-refundable, a travel insurance plan may help to protect you from any travel-related concerns – even if the trip is only three or four days.
If you are taking a weekend trip and are unsure if travel insurance is the right purchase for you, consider the following:
How far are you traveling?
Most trip insurance plans will have a minimum number of miles that you must be traveling away from your home. While some plans have minimums as low as 50 miles, more often than not the plans will require you to travel more than 100 miles away from your home. Although it is rare, some plans do require you to travel more than 150 miles from your home to be insured.
Many people travel close to home for weekend trips, so a travel insurance plan may not even cover their trip. All of the plans will state this minimum in the full certificate. Before purchasing a plan, it is important to read all of the details and know whether coverage would apply to your trip or not.
Are you renting a car?
If you are driving to your destination and are worried about the wear and tear on your vehicle, renting a car may be the best way to arrive at your destination safe and sound. Several travel insurance plans have an optional benefit for rental car collision coverage.
We always recommend contacting the rental car company to verify that they will allow a third party insurance to cover any mishaps with the car. Do this prior to purchasing the travel insurance plan in order to avoid under or over paying for insurance coverage.
Is your hotel refundable?
A trip insurance plan will only cover any pre-paid, non-refundable costs associated with your trip. Many hotels offer a cheaper option for non-refundable rooms and more expensive options for refundable rooms. If you opted for a refundable room, and you don’t stand to lose any money in the event you have to cancel you trip, then you may not need to purchase travel insurance.
Did you purchase event tickets for your trip?
More often than not, any event tickets that you purchase will be non-refundable. If you are traveling for the weekend to see your favorite sports team play, those tickets can get pretty expensive. Some travel insurance plans will allow you to include the cost of the event tickets in the trip cost. This may help you be reimbursed for the cost in the event that your trip is cancelled or interrupted due to a covered reason.
Not all plans have this option, however, so be sure to read the plan details fully. Also, you can call our customer care center, as our licensed representatives can help you choose the plan the best fits your needs.
Are you taking part in an adventure activity?
If you are taking a weekend trip to the mountains for winter skiing or for your once-in-a-lifetime skydiving experience, you may want to consider travel insurance with optional adventure sports benefits. Some plans have specific coverage for sports equipment, like golf clubs or skis. Other plans have riders and waivers that extend reasons for emergency medical care to include injuries due to adventure sports.