Travel Protection Plan
Ask About Our Travel Protection Plans:
Whether traveling to Cancun for vacation, participating in a business seminar in London, or just venturing away from home, you need 24-hour coverage and assistance.
1Papaya offers insurance plans designed to cover travelers worldwide. Plans can include valuable medical coverage, trip interruption, emergency travel services, and more.
Why do I need travel insurance?
At 1Papaya we understand that your vacation can take a year to save for, but only a second to ruin. While you can’t do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your investment—buy travel insurance. Quotes are available throughout the site.
What Is Travel Insurance?
Travel insurance is designed to cover those who elect coverage with financial safeguards in the case of events ranging from inconveniences to calamities. Coverage may include both costs incurred before your trip, such as nonrefundable event tickets or hotel stays, and during your trip, including travel interruptions and medical expenses.
Like other insurance products, from homeowners’ to auto insurance, there are specific provisions tied to policies that outline when and how reimbursements are given – and how much insured travelers are eligible to receive.
Another element of travel insurance is assistance. For example, a travel insurance company may offer aid to subscribing travelers ranging from sharing helpful information to arranging for medical evacuations.
The most important detail to know about travel insurance is that its features can range broadly depending on the company offering the product, the package or policy that’s selected, and a host of other factors.
What Are the Benefits of Travel Insurance?
Part of travelers’ responsibility when it comes to educating themselves about travel insurance includes learning how and when their other travel partners may or may not offer them assistance when a trip doesn’t go as planned.
For example, you may learn that airlines aren’t obligated to do anything when your flights are delayed. When the airlines are the ones at fault, they may offer some assistance, but they’re not bound by law or duty to do so.
There are a number of similar misconceptions that travel insurance can guard against. Insurance comes packaged together with specific coverage benefits – the type and amount will range based on the provider and the package selected – that fill gaps where your travel plans may be exposed to a number of threats.
What kind of threats? Take lost baggage. Sure with the rise of bag fees, airlines are seeing fewer and fewer bags checked. And they’re doing a better and better job of keeping tabs on them. Still, lost and damaged bags are the No. 2 complaint issued to the Department of Transportation. Additionally, while domestic airlines safely transport more than 99 percent of all luggage, international carriers still lag behind.
But a lost, damaged, or even stolen luggage benefit is just one small benefit of most travel insurance offerings. Others may include:
- Trip Cancellation Protection: This is the big one, and includes reimbursement for non-refundable trip payments and deposits.
- Trip Interruption Protection: Sometimes trips start on time and end prematurely due to forces of nature and other circumstances beyond your control. This benefit includes reimbursement for unused costs and transportation costs to return home.
- 24-Hour Hotline Assistance: While this doesn’t come with a dollar amount, getting real-time help when you’re in a pickle is invaluable. Especially if you don’t speak the native tongue. This can include the arrangement of evacuations for medical emergencies, pre-trip assistance, etc.
- Coverage for financial default: What if the tour operator for your upcoming family vacation stops answering your calls? And then the line is disconnected and the company is out of business. Travel insurance may be your most reliable means of financial recourse.
A Travel Insurance Plan for Everyone
The most essential part of educating yourself about travel insurance involves drilling down into the details of specific plans.
Different tiers of benefits and coverage levels allow travelers to match the insurance to their specific travel plans. A four-alarm, full-blown globetrotting honeymoon and Aunt Lucinda’s family picnic and bake-off may not both require the same travel insurance product.
Among the first considerations to make when selecting a travel insurance plan is whether to pursue trip-specific or annual coverage. Frequent travelers, and those with a big family or young kids, may want to carefully consider the cost savings that an annual plan can provide. It’s not hard to do the math: when travelers add up the piecemeal cost of insurance for the trips they plan to take in the next year and compare it to the annual price tag, there will be a more attractive choice.
1Papaya Prefers Travel Insured:
Travel Insured is a leading travel insurance provider offering domestic and international trip protection products and services. For 25 years, Travel Insured has served our valued partners and customers with high-quality coverage helping each traveler remain protected and confident. Travel Insured has led with a passion that is based on a “do it better, do it smarter” mentality. They pride themselves on a mission built upon trust, innovation, and treating each and every customer like they are part of the family.
As a leading travel insurance provider, their goal is to help each individual travel confidently. Travel Insured aim to keep our customers informed every step of the way, and most importantly be there to help when things go wrong. Whatever your concerns, they can help you protect what matters most.
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