Touring travel insurance is essential for experiencing the world with peace of mind. While tours offer amazing adventures, unexpected events like travel delays, cancellations, or medical emergencies can really put a damper on things. With the right touring travel insurance, you’ll be covered for extra expenses you didn't plan for and be protected against the unforeseen. Choose a provider known for excellent claims service to ensure you're well-supported even after your trip ends!
Comprehensive Plan
There can be many different elements to a touring trip, and a comprehensive plan will offer add-on coverage options to meet your specific needs, all while including both medical and travel coverage.
Extensive Travel Coverage
With numerous moving parts in your itinerary, having benefits like Trip Cancellation, Baggage, and Missed Connection coverage is essential. This way, you’re prepared for any surprises that may arise during your travels.
Excellent Claims Ratings
Since a touring trip is often a significant financial investment, it’s crucial to choose a provider with excellent claims ratings. You want a plan that delivers on its promises and offers reliable support when you need it most.
Trip Delay Coverage
If your trip is delayed for six or more hours, this coverage would provide reimbursement for those unexpected expenses like hotel accommodations, meals, and cab rides. Airlines don’t always provide vouchers for hotels or meals, so this coverage can provide a much-needed reimbursement.
Example: You’ve just completed a culinary tour through Chile, and you’re ready to head home. The day of your departure, there’s an unannounced transportation strike and you have no way to commute to the airport, keeping you in town longer than expected. Trip Delay coverage would provide reimbursement for an additional hotel stay, meals, and cab to the airport.
Medical & Evacuation Coverage
Since your regular healthcare may not extend to your travel destinations, this coverage provides peace of mind in case you need medical attention while abroad. Plus, you’ll get access to 24/7 emergency assistance to help you locate medical facilities or coordinate a medical evacuation if needed.
Example: While sightseeing in India, you come down with a terrible virus. You call the 24/7 emergency assistance number associated with your travel insurance plan and they direct you to the nearest hospital. After seeing a doctor and receiving a prescription, you feel better after a couple of days and are ready to tackle that tour of the Taj Mahal. You file a claim when you return home and are reimbursed for those medical expenses you paid out of pocket.
Baggage Delay Coverage
If your baggage doesn’t arrive at your destination within 24 hours, this coverage reimburses you for essential clothing and personal items in the meantime. No need to borrow your traveling companion’s clothes!
Example: Finally, you’re able to take that river cruise down the Rhine. When you arrive in Paris, your baggage does not. Baggage Delay would reimburse you for the cost of a change of clothes, toothbrush, and any other necessary items that didn’t make it to you in time.
Optional Add-on Coverage
Some comprehensive plans allow you to add optional coverage like rental car protection, Cancel for Any Reason, and medical upgrades. Tailor your coverage to fit your specific tour itinerary!
Example: You decide to spend a week driving around the South Island in New Zealand, which is why you added the optional rental car coverage. While driving your rental car, you stop to let a herd of sheep cross the road. Unfortunately, the driver behind you doesn’t stop in time, rear-ending you and totaling the rental car. Rental car coverage would provide peace of mind, knowing that the cost of buying a new car isn’t going to come out of your pocket.
