Some of our staff is working remotely from their homes. We are committed to continuing to provide the service you have come to expect, and will still be answering phone calls and responding to emails in a timely manner.
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
JMG Insurance Corp Logo

JMG

Personal, Business & Specialty Insurance Brokerage

Our Locations 1-844-304-7332
  • Personal
    • Auto Insurance
    • ATV Insurance
    • Boat & Yacht Insurance
    • Motorcycle Insurance
    • RV Insurance
    • Snowmobile Insurance
    • Flood Insurance
    • Homeowners Insurance
    • Rental Property Insurance
    • Renters Insurance
    • Umbrella Insurance
  • Business
    • Business Owners Policy
    • Auto Insurance
    • Flood Insurance
    • Errors & Omissions Insurance
    • General Liability Insurance
    • Workers Compensation Insurance
  • Life And Health
    • Client Services
    • Employer Benefits
    • Individual Life and Health
    • Medicare
    • Student Accident & Specialty Coverage
    • Travel Insurance
  • Specialty
    • Arborist Insurance
    • Franchise Insurance
    • Public Transportation Insurance
    • Car Wash Insurance
    • Garage Insurance
    • Rage Room Insurance
    • Commercial Marine Insurance
    • Habitational Insurance
    • Restaurant Insurance
    • Condominium Insurance
    • Homebuilders Insurance
    • School Accident Insurance
    • Construction Insurance
    • Limo Insurance
    • Sports Insurance
    • Contractors Insurance
    • Pool & Spa Contractors Insurance
    • Special Event Insurance
    • Daycare Insurance
    • Police Protective Liability Insurance
    • Woodworkers Insurance
    • Farm & Ranch Insurance
  • Surety
  • Certificates
    • CSR 24 Login
    • High Volume Certificate User
    • Indemnity Agreements
  • Claims
    • First Notice of Claims
  • About
    • Blog
    • Contact
    • Community
    • Managerial Team
    • Our Companies
    • JMG and SAN Network Partnerships
      • SAN Network Partnerships
      • Baio Insurance
      • Beacon Insurance
      • Burlington Insurance
      • Frazao Insurance
      • Lambert’s Insurance
      • Max Fitelson and Son
      • Premier Insurance
    • Testimonials
  • Client Login
  • Make a Payment

Types of Travelers Insurance

Request a Quote! An insurance quote does not impact your credit score.

Request a Quote

January 2, 2023 by JMG Insurance Corp

Travel and VacationThe travel insurance market was worth $14.2 billion in 2021, and it is projected to grow at a CAGR of 24.7% by 2031. It will reach $124.8 billion. It has become a necessity for people around the country and the world.

You will have to bear the financial losses and medical expenses on foreign trips out of your pocket if you do not have travel insurance. Many insurance companies are providing travel insurance with other insurance plans.

What Is Traveler Insurance?

Many travel companies offer travel insurance as a part of their travel package. Travel insurance can cover domestic and international tours.

The policy can cover the cost of rented equipment, personal property damage, the cost of rental cars, and, in some cases, ransom costs. It also covers many other coverages like trip cancellation and medical expense coverage.

Types of Travel Insurance

The following are the common types of travel insurance that people need for their safe traveling.

1. International Travel Insurance

Each year millions of American travelers visit foreign countries. Many take international trips for education, business, vacation, or missionary travel. On foreign trips, domestic insurance will not provide coverage.

It is crucial to get coverage before traveling to another country. It will protect you against non-medical and medical emergencies. The policy covers overseas medical expenses, baggage and travel delay costs, hijacking, and loss of travel because of passport or document loss. Moreover, during the pandemic, these policies also covered Covid-19 testing.

2. Domestic Travel Insurance

Many local traveling companies offer travel insurance for domestic travel. The policy will help you to overcome uncertain situations during vacations or solo trips. You can ask your travel company to create a custom domestic travel plan to get your desired coverage. Typically you can get the following coverages:

travel insurance concept

  • Medical emergencies
  • Accidents
  • Flight or transportation delays
  • Losing baggage
  • Property damage
  • Cancellation

Usually, the policy covers individuals, and the age requirement is below 65 but above 18 years.

3. Student Travel Insurance

Student travel insurance includes comprehensive coverages that are designed to meet visa requirements. It provides coverage for mental health, sports, and other health issues. Moreover, it also contains plans like trip cancellation and lost luggage coverage.

What Does Travel Insurance Cover?

You have to choose plans that are suitable for your traveling needs. The following are the plans that commonly come under travel insurance.

Trip Cancellation Coverage

The most common type of coverage is for trip cancellation.

It covers non-refundable expenses of cancellations due to business issues, conflicts, bad weather, sudden death, or illness. This coverage is beneficial for high, non-refundable amounts. You do not need to cover refundable expenses like airline tickets.

Moreover, it applies to situations where the cancellation probability is low. For example, coverage can be invalid if you are traveling to a place with bad weather, war, or natural disaster.

Medical Coverage

Before acquiring medical coverage in the travel insurance plan, ask your regular health insurance if they can cover your overseas medical expenses. Some insurance companies provide international medical coverage under your standard health insurance.

However, Medicare does not cover such overseas expenses. If needed, it is better to talk to your insurance company and acquire a plan. It can cover emergency medical expenses, hospital bills, and doctor’s fees. Make sure to check the US government travel advisories because insurance may not cover areas that are level 3 or level 4 advisory.

Medevac or Evacuation

Medical or emergency evacuations have a high cost. Travel insurance can cover the cost of such services when you are far from home or on foreign soil. The plan focuses on emergency evacuation to take you home or to the nearest hospital. The plan is ideal for the following:

  • Travelers who are concerned with emergency medical evacuation expenses;
  • People who are visiting remote or distant locations;
  • Vacations in a foreign country; and
  • Foreign aid workers and missionaries.

The plan can also provide coverage for security and political evacuations. It depends on the situation, but the purpose of the coverage is to evacuate you to a safe location or your home.

Personal Belonging and Baggage Coverage

travel insurance tag on bagTravelers often carry costly goods and equipment with them. For example, explorers have expensive cameras and lenses, or if you are on a business trip, you may keep your laptop with you.

Most airlines and carriers reimburse travelers for damaged and lost goods, but they will likely pay only a portion of the cost. You can also lose your belongings elsewhere. Acquiring this policy adds an extra security layer for your goods.

Travel Without Worries With John M. Glover Insurance Agency

Make your international business trips and vacations stress-free with John M. Glover Insurance Agency. We provide a wide range of coverages that can benefit you in various situations.
Contact us today at +18443047332 and get your ideal insurance plan.

Primary Sidebar

Get Started!

  • This field is for validation purposes and should be left unchanged.

Footer

JMG Insurance Corp Logo

JMG Insurance Corp has been serving the insurance needs of our clients in Connecticut, New York, New Jersey, Massachusetts, Rhode Island and Hawaii since 1916.

  • About Us
  • Blog
  • Careers
  • Contact Us
  • Our Locations
JMG Insurance Corp 29 Haviland Street Norwalk, Connecticut 06854 1-844-304-7332 1-203-857-7848

© 2023 JMG Insurance Corp · Powered by 321 Web Marketing · Website Privacy Policy