5 Travel Insurance Mistakes to Avoid
Donna Salerno Travel offers a range of travel insurance provider plans designed to protect you on both domestic and international journeys. Whether you’re traveling for business, leisure, or a combination of both, we offer plans that encompass coverage for trip cancellations, medical emergencies, baggage loss, and more. With straightforward enrollment and 24/7 support, you can travel with confidence, knowing you’re protected wherever your adventures take you!
1. Relying ONLY on Your Credit Card’s Coverage
Some credit cards offer travel insurance as a benefit for cardholders. While these plans offer baseline coverage like trip cancellation, trip interruption, travel delay and baggage delay coverage, there are limitations—the biggest one being a lack of medical coverage.
Tip: Always choose a third-party plan to supplement your credit card’s coverage, especially if medical and/or health coverage is important to you. Your Travel Advisor can help you with the plan, that is right for you!
2. Buying Add-On Insurance from An Airline or Cruise Line
Most travelers make the big mistake of opting into the insurance add-on offered by the airline or cruise line without comparing other options. While these policies can provide a basic level of protection, they often provide limited coverage & less flexibility than a standalone plan.
3. Paying More for “Better” Coverage
Most travelers assume that more expensive travel insurance offers better coverage, but that’s not always the case. Lower-cost policies aren’t necessarily lower quality. Some insurance providers simply price their plans differently based on how they assess risk.
Tip: Buy the least expensive travel insurance policy that meets your specific coverage needs.
4. Not Being Prepared for Delays or Disruptions
Flight delays & disruptions have reached an all-time high due to major disturbances in the aviation industry. In the past year alone, widespread technology failures, airline staffing shortages & air traffic control issues have disrupted more travelers than ever before. Squaremouth recently uncovered a 55 percent surge in travelers looking for delay-related coverage.
Tip: Look for Travel Delay coverage that kicks in after flight delays of three hours and accounts for any delay of a common carrier. This provides the most coverage and flexibility in the event of a delay.
5. Buying Coverage Too Late
Travel insurance is designed to cover unforeseen events that may impact your trip. Once something goes wrong, it’s too late to get covered. Buying insurance early maximizes the coverage period, and gives you access to certain time-sensitive benefits for increased flexibility. Waiting too long can mean missing out on key protections such as Cancel For Any Reason (CFAR), pre-existing condition coverage and/or coverage related to named storms during hurricane season.
Tip: Buy comprehensive travel insurance coverage as soon as possible; after you book your trip, ideally within 7 days of booking. This will give you access to the most possible plans and benefit
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