InsureBlog: Summer Travel Insurance

Travel insurance for summer vacation. Luxury or good idea? What to look for, and what to look out for.

The Georgia Dept. of Insurance issued a public service memo offering advice on what to consider in evaluating travel insurance.

Some travel insurance can protect against the loss of non-refundable travel costs such as air fare or hotel costs. Other travel insurance plans offer protection against financial loss due to medical emergencies, damage to personal property and death.

• Trip Cancellation - Reimburses you for pre-paid travel expenses if you have to cancel your trip due to unforeseen situations such as illness, death or other conflicts.
• Travel Delay - Reimbursement for out of pocket expenses if you have to delay your flight due to circumstances beyond your control, such as flight delay or cancellation.
• Medical or Health - Reimburses out of pocket expenses for medical or dental emergencies, including those not covered by your major medical plan.
• Medical Evacuation - Transport to a hospital near your location or back home.

Air ambulance charges, even for local transport, can run $5,000 or more. If you have to be returned to your home country, a charge of $30,000+ is not out of the ordinary.

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