Out of Country Travel Insurance | Options & Information
Are you travelling out of the country and looking for out-of-country travel insurance? Did you know that at Navy & Sage Benefits, we can help with that? Within this article, we’ll discuss your travel insurance options and what’s covered.
Allianz Travel Insurance
We’re offering out-of-country travel insurance through Allianz Travel. We believe that this is great top-up coverage for those with some insurance and it’s also great for any individuals who don’t have out-of-country emergency coverage already. With this coverage, you’ll feel more prepared for your trip ahead.
What’s covered with this insurance?
6 main trip categories are included within the travel insurance that we provide for clients. We’ll explain each category below as well as go into detail for each.
- Trip cancellation
- Travel delay
- Emergency medical
- Baggage loss and delay
- Trip interruption
- Travel accident
Trip Cancellation
Trip cancellation provides pre-departure reimbursement for any expenses that you’ve already paid for. This has to be within a covered reason if you are needing to cancel or reschedule your trip before the scheduled departure date.
This coverage is limited to your sum insured shown on your confirmation of coverage.
Travel Delay
Travel delay insurance provides post-departure reimbursements for a covered reason as to why your trip is delayed. Having this type of insurance helps if you are going through any unexpected pauses or delays in your travel plans.
For these expenses to be covered, there is a minimum time that your delay must last.
Emergency Medical
The next category is regarding medical emergencies. This provides coverage for emergency treatment or services that are needed after an unexpected sickness or injury that happened during your trip.
Emergency medical does have an overall maximum of $1 million.
Baggage Loss and Delay
Next up is baggage loss and delay. This is one of the worst things that can happen during a trip. Standing at the baggage carousel just to realize that your bag isn’t going to show up.
Luckily for you, you have out-of-country travel insurance! This provides coverage for expenses to repair or replace your baggage, or purchase items essential for your trip if your baggage is lost or delayed.
Trip Interruption
The second to last category is trip interruption. This coverage provides post-departure reimbursement for expenses for a covered reason if your trip is interrupted after departure. An interruption is defined as something that causes you to need to cut your trip short or requires you to stay at your destination for longer than planned.
Travel Accident
The final category of coverage is a travel accident. This provides you and your family coverage if you experience a permanent injury or death due to an accident during your trip.
Travelling student plans.
We wanted to also note that there are different options available as well for students and seniors. We also offer youth plans for students who are travelling abroad. Coverage is available for:
- Emergency medical
- students travelling abroad
- seniors travel insurance
- non-medical travel insurance (i.e. trip cancellation and interruption insurance)
Let Navy & Sage Benefits help.
If you’re ready to confirm out-of-country travel insurance, give us a call today. During our call, we’ll go through the different travel insurance options and customize them to exactly what you need. We look forward to providing you with peace of mind for your trip.
