Holiday Travel

Whether you’re actually traveling for holiday-related celebrations, or just considering a winter vacation during this peak travel time, careful advance planning can make a big difference in how your experience unfolds. As with most travel planning, taking the possible need for insurance into account is something worth considering – because of the volume of travelers, possible winter weather complications, and other unique seasonal disruptions, travel insurance might be just the right holiday gift to give to yourself.

Here are our top 5 tips for researching travel insurance for a holiday-season trip:

  1. Evaluate your need. You may be surprised to hear us say this, but here goes: You might not need travel insurance. If you’re just planning to head to Grandma’s for a few days, your total non-refundable costs for your trip may be relatively negligible. Take a good look at everything you’d stand to lose if you had to cancel your plans, and decide for yourself whether or not travel insurance is a good investment for this particular trip.
  2. Assess your luggage. The holidays are prime time for traveling with items you may be loath to lose. Many people carry holiday gifts in their checked baggage; if you’re among them, you may want to consider buying a travel insurance policy that provides coverage for lost items. If you’re looking into baggage loss coverage for your holiday gifts, make sure to keep as much documentation (original receipts and/or photos of the items) as possible, and make sure the policy’s limits, both the total and the per-item maximums, match your needs. Also, keep in mind that very expensive items, such as jewelry, may be better insured through your homeowner’s policy.
  3. Watch the weather. Snow, ice, and other winter weather conditions can easily ground flights and delay, or outright derail, your plans. Even if you don’t think your home or destination are likely to get hit with a blizzard, remember that flights originate from hubs all around the world. A snowstorm in Chicago could easily cause systemic delays and cancellations in Arizona, so you may want to think about getting a travel insurance policy that provides protection against lengthy delays (usually, the threshold set by most insurers is 5 hours or more) and flight cancellations.
  4. Consider the kids. The holiday season is also prime season for colds, viruses, and all kinds of illnesses. Kids are especially prone to the sickness du jour, so if you’ve planned to travel with yours for the holidays, it might be smart to keep a travel insurance policy in your back pocket just in case a sudden ear infection, stomach bug, or other illness forces you to keep your young patient home in bed. (Please note: A licensed, qualified physician must certify that your child is too ill to travel.)
  5. Keep your options open. For some travelers, a Cancel for Any Reason (CFAR) policy is the right solution during the holiday season. If you’d like some flexibility in your holiday travel plans and want to wait to decide whether you’re really taking that cruise with your brother, or whether you’d rather stay home and cozy up by the fireplace, this type of coverage might be a wise investment. Remember that it’s a time-sensitive benefit – you’ll have to purchase it within 10-30 days of making your initial trip payment – and filing a claim under CFAR requires you to cancel your plans and notify all travel suppliers 48 hours or more prior to your scheduled departure.
Updated by on 11/1/13.
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Question:


Full time college student traveling in January for a study abroad program of less than one month which includes England, Romania, and Turkey. What type of international health insurance will cover me for illness or accident?
Allison,
11/29/2013

Answer:


Any of our package plans or the travel medical plans will cover emergency medical treatment, including hospitalization, while traveling outside the US.
Lynne,
Customer Care insureMyTrip
11/29/2013
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Question:


Our trip is not a "package". We will be taking a European cruise and then visiting several countries after the cruise. Can I just add up known costs and estimate the rest for the purpose of obtaining insurance?
GeorgeA,
12/06/2013

Answer:


You do not have to purchase a specific type of trip or travel arrangements in order to be eligible for insurance. You should add up all known pre-paid non refundable travel expenses and use that amount for your trip cost. As you make additional travel arrangements, contact us within 10-30 days (Policy Specific) of making the travel arrangement to increase the coverage on your policy. We do not recommend estimating trip costs, because if you over estimate, or end up cancelling prior to making those expenses, refunds of premium will NOT be given if you are outside of the review period.
ChristopherG,
Customer Care insureMyTrip
12/06/2013
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Question:


We have used Insuremytrip.com several times in the past. My wife and I are planning 3 trips next year to South America, Africa and Northern Europe. Is it possible to get travel insurance that covers travel for a full year and if so, would this be a less expensive option?
JohnR,
12/10/2013

Answer:


We do have annual medical policies that will cover you on multiple trips throughout the year. However, if you do want to insure the cost of your trip you will have to insure each trip separately with a comprehensive policy.
MattM,
Customer Care insureMyTrip
12/10/2013
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Thank you for your response.
John,
12/15/2013
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