Page 13 - Leisure Living

How To Stretch Your Vacation Dollar
There are good reasons to include travel insur- ance in your vacation budget.
1. If your trip gets canceled or cut short: Af- ter you’ve invested a great deal of time and mon- ey into planning a family trip, the last thing that you want to experience is a cancellation, loss of nonrefundable costs, and unplanned medical ex- penses while away. While some personal health insurance may cover portions of medical expens- es when you’re on vacation, not all do, and often, medical insurance does not travel overseas.
Fortunately, a good travel insurance plan can reimburse up to 100 percent of a trip if you need to cancel due to covered reasons such as unfore- seen illness or injury, if your primary residence or destination becomes uninhabitable due to a nat- ural disaster, if military duty calls or even a job layoff happens.
Medical expense coverage included with most comprehensive travel insurance plans can cover a child who needs stitches after a bad fall or even an emergency medical evacuation to the nearest adequate hospital. A travel insurance plan such as Travel Guard’s Gold Plan can cover up to $25,000 of medical expenses. Plus, children age 17 and un- der can be covered at no additional cost.
2. If your trip is interrupted or delayed. Many insurance plans also cover unexpected interrup- tions or delays that can mean additional costs. Trip interruption/de-
lay coverage offers reimbursement for return airfare, missed prepaid and nonrefund- able portions of a trip, and expenses for food and hotel stay while you’re delayed. Some travel insurance plans can cover 150 percent of trip cost when a trip is interrupted and up to $150 per day for necessary pur- chases during a delay.
Having travel insurance may help your trip be more hassle-free, because you’re covered in the event of the unexpected.
More Planning & Saving Tips
• Book travel during off-peak season and you can also avoid large crowds in airports and popu- lar attractions.
• Pack healthful snacks-bottled water, boxed juice, crackers, nuts, dried fruit-to save time as well as money.
• E-mail your trip insurance policy and other important travel documents to yourself to avoid losing them or searching for them during your journey.
Learn More
For information, tips and travel news, ask a travel agent, call 800-826-1300 or visit www.trav- elguard.com.
The Insurance products available through Travel Guard are underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Coverage may not be available in all states. Travel assistance services provided by Travel Guard Group, Inc. (“Trav- el Guard”).
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May 2015 LeisureLiving | 13