Understanding Travel Insurance

• Travel insurance provides a safety net for unforeseen events before or during a trip.
• Trip cancellation coverage reimburses prepaid, non-refundable expenses if a trip is canceled for covered reasons.
• Trip interruption coverage covers the cost of returning home early and unused, non-refundable trip expenses if a trip is cut short for covered reasons.
• Travel insurance covers medical treatment for sickness or injury while traveling.
• Emergency medical transportation pays for transport to the nearest adequate medical facility or back home.
• Baggage loss coverage reimburses for lost, stolen, or damaged baggage and personal items.
• Baggage delay coverage covers the cost of essential items if baggage is delayed for a certain period.
• Travel delay coverage reimburses additional expenses due to significant travel delays, such as meals and accommodations.
• Accidental death and dismemberment coverage provides a lump sum payment in the event of accidental death or serious injury during a trip.
• Rental car coverage covers damage to a rental car in case of an accident.
• Cancel for any reason is an optional add-on that allows canceling a trip for any reason and receiving partial reimbursement.
• Pre-existing condition coverage covers medical expenses related to pre-existing conditions if certain conditions are met.

Managing Travel Documents Tips

• Keep digital copies of important documents in secure cloud storage or email them.
• Carry physical copies of travel documents separately from the originals.
• Use a travel document organizer to keep everything in one place.

Steps to Take if a Travel Advisory Level Changes

• Check official sources and local news for updates.
• Register with STEP (if applicable) and seek guidance from them.
• Adhere to evacuation orders or safety measures.
• Reconsider travel plans and make alternative arrangements if necessary.
• Inform your employer and follow company travel policies regarding travel.
• Avoid high-risk areas identified in the advisory.
• Review your insurance policy and contact your insurer to understand your coverage.