Do you have questions about whether you need to purchase travel insurance for your trip?
The information below may help you decide.
Here are 10 Reasons to Buy Travel Insurance
We know travel insurance can seem like just one more expense, and many travelers ask the question why buy travel insurance and why get travel insurance?
1. You need to cancel your trip
What happens if someone gets sick and can’t travel, a parent dies, you’re required to work, you lose your job, or your house floods?
With trip cancellation coverage, you’ll be able to recover your out-of-pocket expenses for these covered reasons and more.
2. You miss your connection
You’ve planned a cruise but you discover the connecting flight to get to the ship is delayed. With the missed connection it looks like you will miss your cruise departure. How will you catch up to the ship?
With missed connection coverage, you can take another flight to catch the ship at the next port-of-call. You’ll also have assistance services to help you arrange and pay for those travel changes.
3. Your flight is canceled
After attending the family reunion, you arrive at the airport to return home and are told tornadoes have canceled all flights through Dallas. Who will help you find a new flight to return home?
With trip interruption coverage, you’ll have the money to refund the expenses of a new return ticket or to stay in a comfortable hotel.
4. A hurricane damages your destination
You saved all year for a summer vacation to Aruba, but a hurricane destroys the hotel a week before you depart. Will you lose all the money you worked so hard to save?
With travel insurance protection for weather damage, you’ll be able to recover your pre-paid costs. Travel assistance services will also help you arrange a vacation at a new location – one the hurricane missed.
5. A terrorist event occurs
You’ve planned an excursion to Egypt for years, but weeks before leaving a terrorist attack occurs. The airports are closed and Egypt is in chaos. It would be unwise to travel now, but will you lose all your non refundable fees?
With the add-on policy "Cancel for any Reason" coverage, you can cancel your trip without losing all the money you’ve spent.
6. You get sick or injured on your trip
You and your friends have planned a hiking trip to climb Machu Picchu since college. After your first night in Lima, you wake with severe stomach pains and a high fever. You cannot start your hike. Instead, you need emergency medical care – and quick.
With travel medical coverage, you won’t be paying a huge medical bill. You’ll also have assistance services – in your own language – to locate a suitable medical facility and arrange transportation.
Review your personal medical policy to make sure you are covered if you see a doctor for a medical emergency while traveling. Your personal medical healthcare policy may offer limited coverage or none at all once you travel outside the United States. For example, Medicare does NOT cover any medical expenses that are incurred outside the United States. Also, your personal medical plan may lower benefits or have deductibles when using an out-of-network doctor. Travelex insurance plans provide First Payer Coverage with no deductible for easy claims handling, less time and hassle to receive reimbursement for eligible losses from Travelex first. Funds may be recovered from your medical or other collectible insurance plans.
Additional benefits include transportation of a visitor of your choice to stay with you or to transport any traveling children back home, should you become hospitalized. Should you need medical attention and/or hospitalization while on any trip offered by MBF Enterprises, Inc., please know that your spouse or your emergency contact listed on this registration form is responsible for your care. Staff and/or personnel from MBF Enterprises will not be able to accompany you or stay with you should you need care. If need be, your spouse or emergency contact may need to travel to Israel to coordinate your care and insurance would cover that cost.
7. Your baggage is delayed or lost
Your special day has finally arrived – a wedding at a beach side resort. Unfortunately, the airline made a mistake and your baggage will be delayed. Luckily you’ve got the dress and the rings, but what about your other clothes, shoes, toothpaste, and personal items?
With coverage for delayed bags, you can relax. The service hot-line will help you recover your bags. You’ll also be reimbursed for the essential items you need to start enjoying your trip.
Or, you are required to speak at a business conference in Las Vegas, but somewhere in transit, your baggage is lost. Your presentation is tomorrow, how will you get ready in time?
With coverage for luggage that is lost, stolen, or damaged, you’ll be reimbursed for new clothes and personal items. You can even get reimbursed for a suitcase so you can take your new stuff home.
8. Your passport is lost
You are at a conference in London, and you realize you left your passport at a local restaurant.
With coverage for lost passports, you’ll have help expediting the process of replacing and paying for a new passport.
9. You need an emergency medical evacuation
You and your daughter have planned a summer tour of Mont-Blanc, but high in the mountains your daughter is overcome with dizziness and a dangerously high fever. She needs immediate medical attention. How will you get her to safety?
With medical evacuation coverage, you can arrange safe transportation to a medical facility. Medical evacuations typically cost tens of thousands of dollars, but with trip insurance you won’t break the bank to save your daughter.
10. Your travel company files bankruptcy
You’ve planned a two-week honeymoon cruise to Alaska, but a week before the trip you see on the news that your cruise is canceled due to financial default of the cruise company. How will you recover your money?
With trip insurance that covers financial default, you’ll be able to recoup your expenses. With the help of assistance services, you’ll be able to reschedule your cruise as well.
11. Travel Assistance & Concierge Services
You and your parents have planned a trip to their home country, but on your way, the train is canceled for mechanical repairs. You don’t speak the language. Who can help you locate alternative transportation?
A valuable component of each and every one of our insurance plans is the Travel Assistance & Concierge Services program. Available 24/7, call the toll-free number prior to departing for assistance or advice on planning your trip – from booking concert tickets to making dinner reservations or a tee time for golf. While traveling, one toll-free call gives you access to a variety of travel services such as medical emergency assistance and lost baggage retrieval.
MBF Enterprises, Inc.
IF YOU WANT TO PURCHASE TRAVEL INSURANCE...
If you are interested in obtaining information about travel accident, baggage and trip cancellation insurance, please follow the directions below…
A. Click on the following link -- http://www.travelexinsurance.com/index.aspx?location=43-6170&go=bp
B. Enter the number 43-6170 in the “Location Number” box (if it is not already there). Continue to fill in the additional boxes with the state of your residence, the travel dates of your trip, your age and tour cost and then click “Get Quote”.
C. The applicable insurance options will be listed and you may then compare and contrast the policies.
D. If you so desire, you may purchase insurance by clicking on the “Buy” tab and completing the application online. You will need to enter the “Location Number” again (43-6170) in order to make sure you are identified as part of the group. You do not need to enter an agent number or invoice number. Also, put MBF Enterprises in the tour operator box.
NOTE: Please carefully compare the different travel insurance policies so that you know exactly what you are purchasing, what the policy does and does not cover, and any inclusions or exclusions, etc.