Reasons To Buy Travel Insurance From MH Ross

Making sure your trip is protected with travel insurance is a good decision every time, but shopping for a better value is an even better decision. After booking a flight, cruise or hotel, most travel companies will also offer a travel protection option. It is easy to say yes and move on, but here are 5 good reasons why you should instead purchase directly from the travel insurance company.

Shop Benefits and Prices

The most obvious reason to shop around for travel insurance is to find a plan with the benefits you need at a good value. How much medical coverage is enough for you? Are you traveling with more luggage than usual and want to make sure there is enough coverage? Understanding which benefits are most important to you will help make a good value decision. The plan offered from a travel supplier may not be designed to fit your specific criteria; rather, it is more likely intended to be an easy decision at the time you book the trip. Make sure you find the coverage you want at a good price.

Money vs Voucher

Many travelers aren’t aware that some protection plans offered from the travel companies don’t actually pay claims with currency; instead, travelers may receive a voucher for future travel. This is the difference between “store credit” and a “cash refund”. To get full value, you would need to re-book a similar vacation with the same company. This may work for some, but it is limiting for many, as we will discuss next.

Multiple Bookings, Same Policy

It is increasingly more common for travelers to conduct their own travel research and act as their own booking agent. When someone books a cruise, flights and hotels online, but from different suppliers, do they have to purchase separate travel insurance plans for each booking? Fortunately, they do not. MH Ross travel insurance plans with emergency assistance services are able to include all of your trip costs, even if they are each booked through different companies. Don’t make the mistake of only buying cruise insurance from the cruise company and forgetting to insure the flight that you booked separately. Keep everything together and covered with MH Ross.

Travel Insurance For Multiple Flights
Primary Coverage

MH Ross travel protection plans include emergency medical benefits in the event of an unexpected injury or illness during your trip. Many other travel insurance plans offer this, but as secondary coverage. Secondary means that a medical emergency must be claimed with all other forms of insurance you may have prior to being claimed with the travel insurance. As you might expect, this can included much more paperwork and slow the entire claims process significantly. All MH Ross plans are primary coverage. This means MH Ross is eager to step in during your emergency medical situation and will not require you to involve any other insurance company you may already work with.

Cancel For Any Reason

Cancel For Any Reason is a coverage benefit that allows the most flexibility for you to decide whether or not to travel, if all conditions are met. The conditions are:  the plan must be purchased within 15 days of the initial trip deposit date, all of your trip costs must be insured, the last chance to cancel is 2 days before the trip begins, and a claim can reimburse 75% of the unused and non-refundable payments. This benefit is included on the MH Ross Advantage Asset plan and Advantage Complete plan. Again, a travel supplier may offer this only for their travel services, or only with vouchers, if they even offer Cancel For Any Reason. Choosing an MH Ross plan with this benefit gives you the power of choice over your trip.

This information is an overview of coverage. Please always refer to your plan documents for specific information, or contact MH Ross, 24/7, we are delighted to help!

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Terror Attack in Brussels, Belgium

On Tuesday, March 22nd, 2016, a suicide bomber attacked Brussels, Belgium killing at least 31 people. The U.S. Department of State identified this as a terrorist attack, and as such, these tragic events meet the guidelines and requirements for coverage under certain MH Ross travel protection plans.

Plans purchased on or before March 21st, 2016, may have coverage for these attacks.

Any travelers currently in Brussels and in need of assistance should please contact their plan’s 24 hour emergency assistance hotline. Representatives are available at all times to assist arranging emergency medical transportation and treatment.  Clients’ safety and wellbeing is our priority.

MH Ross understands other travel plans may be impacted by these events. Travelers currently on their trip may incur unexpected costs from delays or missed flights. Many plans offer trip delay coverage after a 6 hour delay and missed connection coverage after a 3 hour delay. Trip interruption coverage may also apply if portions of the trip cannot be completed because of the attacks, or if it is necessary to return home early. Please contact MH Ross with questions, and please always review the plan documents for details.

For those with upcoming travel plans to Brussels, Belgium, trip cancellation coverage due to a terrorist attack may be available. Some plans require the trip departure to be within 30 days of the attack in order for coverage to apply. To confirm whether coverage is available for your scheduled trip, please consult your plan documents or call us with your questions. Agents are available 24/7 and eager to assist you.

This information is a general overview of coverage benefits that may apply if travel plans are impacted by this terror attack. The coverage available will be based on the terms in your travel protection plan. Please refer to your plan documents to learn more or contact MH Ross with questions. Agents are available 24/7 and happy to help.

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TSA Dealing With Spring Break Crowds

Travel Insurance for Flight Delays
 

Travel insurance is not often associated with a Spring Break trip. After all, at the age of perceived invincibility, insurance isn’t at the forefront of concerns. However, Spring Break creates unintended consequences to other travelers.

According to Bart Jansen from USA TODAY, this year’s Spring Break crowds are expected to be larger than last year.

“TSA projects 7% more travelers during the spring-break season, compared to last year, with a drastic increase during March. The biggest increases are expected at Florida airports in Orlando, Fort Myers and Fort Lauderdale.”

The best plan for dealing with larger crowds is to be prepared with both your timing and your luggage.

Plan to arrive early for your flight. It is a good idea to be 2 hours early for domestic flights and 3 hours early for international flights. No, this isn’t a rule, but sound advice. Better to wait in the airport for a few extra minutes than be stuck for hours waiting for the next available flight.

Not only should you arrive early, but you should arrive prepared. Many airlines offer the ability to check in online, prior to arriving at the airport. This is a great time saver, particularly if you are not checking luggage. Even with checked bags, some airlines dedicate a line at the ticket counter for those who checked in online and only need to check luggage.

If you are checking luggage, know the weight of your bags ahead of time. Many flights require checked baggage to be less than 50 lbs or be charged a fee. Not many things can be more frantic than having to shuffle contents between suitcases at the last minute, especially if there is a time crunch. A bathroom scale works well for checking this at home, though you may reposition the suitcase several times to get an accurate read.

The best action you can take to get through security quickly is to properly prepare your carry-on items. Make sure your laptop is easily accessible within your bag. Use plastic bags for liquids and gels you plan to bring on the plane. Last, and not many people do this, emptying your pockets into your carry item rather than a separate bin helps speed up the process.

While it is good to recognize the potential crowds and prepare as best you can, please remember that a long line at airport security is not a covered reason for Trip Interruption, Trip Delay, or Missed Connection coverage. Make sure to managing your time and the security process wisely on your next trip.

 

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What To Do When Luggage Is Lost

Travel Insurance Helps With Lost Luggage
One of the more common concerns with air travel is whether your baggage will arrive on time with you, or even at all. Particularly for international travelers, keeping track of possessions can be a heightened concern. It is always a good idea to be cautious with your possessions while traveling and to avoid bringing high value items with you on vacation, but even losing the most basic luggage items can dampen anyone’s vacation experience. MH Ross travel insurance plans include coverage benefits for your belongings during your trip.

The Baggage Delay benefit helps travelers if they arrive at the destination, but there baggage does not. Once luggage has been delayed by the airline for 12 hours, the Baggage Delay reimburses you for essential items purchased. This can include a change of clothing, toiletries, etc.

The Baggage Loss benefit reimburses the value of items that are lost, stolen or damaged during your trip. This could mean either your possessions are permanently gone and the value of those items is claimed, or they are damaged by the airline and the repair costs are claimed.

Whether your luggage is delayed or lost, there are several important steps to take.

  1. Take Pictures Of Your Luggage

This is not a requirement, but taking pictures of your belongings is an excellent way to demonstrate what items were with you when they were lost, damaged or stolen. With any travel insurance claim, the more supporting information you can provide, the easier it is to process a claim quickly.

  1. Document The Incident

This is critical. In order for a claim to be paid, evidence of the incident is required. If the airline delayed your luggage, ask for a note from the airline confirming this. If you are robbed, make sure to file a police report. The important item here is that documentation confirming the incident occurred will be required.

  1. Save Receipts

When purchasing essential items during a baggage delay, receipts are needed in order to be reimbursed. The best practice is to obtain and keep the receipts at the time of purchase, rather than try to get information after the fact. For items lost, damaged or stolen, original receipts aren’t required, but are helpful to process a claim quickly.

  1. Contact Us

It is not mandatory for you to contact us immediately when a baggage delay or loss happens. However, it is a good idea to contact us to make us aware of the situation and your intent to file a claim. This allows our team to be proactive helping you. MH Ross travel insurance plans also include 24 hour emergency assistance services, and lost baggage tracking and return is one of the services offered. Getting us involved early allows us to help you to the best of our ability.

  1. Don’t Delay

Timeliness is an important and often overlooked aspect of how to deal with lost or delayed baggage. When baggage is delayed, ask for a letter from the airline while you are still at the airport. It becomes exponentially more difficult to get information like this after the fact. The same can be said for filing a police report for stolen items, or reporting missing items to the hotel front desk, for example. Don’t delay is also good advice when it comes to filing the claim. The sooner you file a claim after the incident, the more likely that claim can be processed quickly.

If you experience baggage blunders by the airline on your next trip, please contact us.  Agents are available 24/7 and eager to help.

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Travel Protection For A Cruise Vacation

Cruise Port
The long winter and record breaking snow has many travelers eagerly anticipating their next chance to get on the open sea. This is always a popular time of year for planning cruise vacations, making it an appropriate time to review the top tips when shopping for cruise travel protection.

Shop Early

This is good travel protection advice for any type of trip, but especially for cruises. The first reason is somewhat obvious; if you wait to purchase travel protection until after something happens, it is too late to be covered for the thing that just happened. The most common example of this is a Hurricane or Tropical Storm.  Once a storm is named, any new plans purchased will not cover losses caused by that storm.  By purchasing a plan early, you are covering a longer time frame during which the unexpected could happen.

The second consideration is that you can qualify for a waiver of the pre-existing conditions exclusion by purchasing your MH Ross plan within 15 days of the initial trip deposit date. This isn’t important for everyone, but it is not an additional charge and will be included with the plan.

The third consideration is that purchasing within 15 days of the initial deposit date means you can qualify for the Cancel For Any Reason benefit, which is the last item on this list of travel protection tips. Scroll down for details.

Don’t Overdo It

One of the biggest fears about being on a cruise ship is what happens if a medical emergency requires someone to be evacuated from the ship. This could be a helicopter airlift, but is most commonly emergency services ready at the nearest port. MH Ross plans include $500,000 for Emergency Medical Evacuation and Repatriation. Even in the extreme circumstances, it is rare for an evacuation to approach this limit. Please don’t spend extra on travel protection because you found a plan with multiple millions of dollars in evacuation services.

Consider Your Costs

When shopping for travel protection, consider the amount of money you are paying out of pocket, and how much would be lost if you had to scrap all of your travel plans. This isn’t limited to the just cruise expenses, MH Ross plans allow you to insure expenses of your trip that are pre-paid and non-refundable. This can include flights, ground transportation, lodging, tours or other expenses of your trip paid before departure and would be forfeit if you cancelled.

Don’t Miss The Boat

What happens if a flight delay causes a domino effect in your travel plans resulting in the ship departing without you? MH Ross plans include the Missed Connection benefit for such an instance. This benefit reimburses the additional transportation expense to catch up to the trip if a common carrier delays you for 3 or more hours. Given the example of a cruise, this often means a flight to catch the ship at the next port of call.

Hurricane Season Happens Every Year

Hurricane season is officially from June 1st to November 30th, which is a large part of the year… every year. Cruise travelers understand what bad weather can do to even the best made travel plans. Flight cancellations, cruise cancellations, last minute changes in cruise itinerary, and these are just a few examples. MH Ross plans include multiple benefits to help during extreme weather: Trip Cancellation, Trip Interruption, Missed Connection, Trip Delay, and Cancel For Any Reason (don’t worry that one is next). Learn the specific details of hurricane coverage in the MH Ross Hurricane Season Guide for Travel Insurance.

Cancel For Any Reason Gives You The Choice

This benefit allows the traveler to have the ability to choose whether to cancel or take their trip, without having to explain the reason why. MH Ross Advantage Asset and Complete plans include Cancel For Any Reason if all conditions are met. The plan must be purchased within 15 days of the initial trip deposit date, all of your trip costs must be insured, the last chance to cancel is 2 days before the trip begins, and a claim can reimburse 75% of the unused and non-refundable payments. For cruise travelers, many find this benefit valuable because of hurricane season. Cancel For Any Reason allows you to see the threat of a storm and decide to cancel, rather than wait for a flight delay to happen or mandatory evacuation order, for example.

Please contact MH Ross with questions or for advice on your next cruise. Agents are available 24/7 and happy to help!

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Travel Insurance Requirements for a Schengen Visa

Mediterranean View
Travel agents and travel suppliers planning European trips have likely encountered questions about the Schengen Visa. The Schengen Visa is a single visa allowing travel between 26 different countries in Europe. According to the U.S. Department of State, this is not required for U.S. Passport holders planning short trips, however, it is required for a trip over 90 days or for travel in these countries for more than 90 days within a 6 month period. One of the requirements to obtain the Schengen Visa is to have adequate travel insurance.

The Schengen Visa can require travel medical insurance up to 30,000 euros, depending on the trip. The coverage must include emergency medical expenses as well as repatriation services, including transportation of one’s remains. The coverage is required to be in effect for the duration of travel in the Schengen countries.

MH Ross Asset, Asset Plus, Bridge and Complete plans all include Emergency Medical coverage and Medical Evacuation services with benefit limits above the Schengen Visa requirements. Create a quote now to compare the plans to find the best value for you.

Even if you don’t think you will need a Schengen Visa, it is a good idea to contact the embassy or consulate of the country you plan to visit and confirm what is required.

For everyone wondering, the Schengen Visa is named after a small winemaking town in Luxembourg, where the treaty was originally signed in 1985.

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Travel Protection For A Ski Vacation

Downhill Skiers

Winter weather doesn’t only mean multiple feet of snow and flight cancellations, like Winter Storm Jonas. Many travelers get excited at the fresh snowfall, ready to take their next ski vacation. Every time you travel, it is a good idea to get a MH Ross travel protection plan, but skiing only increases the wisdom behind this decision.

Medical Evacuation Can Be Expensive

It is uncommon for standard health insurance plans to include coverage for medical evacuation. If an accident on the slopes involves a helicopter airlift to a hospital, this could be multiple thousands of dollars that you could be responsible for. MH Ross plans include $500,000 of emergency medical evacuation, to protect you from facing this financial strain yourself.

Out Of State Medical Coverage

This may not be an issue for every traveler, so it is important to understand if and how your health insurance coverage works during your trip. For many, once you leave your home state, there can be significant changes to coverage. MH Ross travel insurance plans offer between $50,000 and $250,000 per person of emergency medical coverage. This can help fill in the gaps in your health insurance, even if they don’t cover you at all during the trip.

Don’t make the mistake of only considering this in case of an injury on the slopes. Many travelers experience altitude sickness, which can ruin any vacation. MH Ross plans also offer trip interruption coverage if a medical emergency causes the trip to end early.

Snow Is Good For Slopes, Bad For Flights

Yes, you went fresh powder on the slopes, but maybe not so much until you arrive at the mountain. Winter travel always includes the risk of flight delays or cancellations due to winter weather. Here is a brief summary of how MH Ross plans can help:

Trip Delay – Additional meal and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to flight delays or cancellations. The dollar amount of coverage will be based on the plan you selected. Please refer to your policy documents for complete details.

Missed Connection – All MH Ross plans also include the missed connection benefit if your flight is delayed for 3 hours or more. This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.

Trip Interruption – MH Ross plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to a winter storm and you must leave or return later than originally scheduled. On MH Ross plans, covered reasons to interrupt the trip include:  12 hour or more flight delay due to weather; and home, work, or accommodations at your destination made uninhabitable. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan certificate or call MH Ross.

Trip Cancellation – Should your flight be delayed or canceled due to winter weather, MH Ross plans can cover cancellation penalties if you are not able to travel for 12 hours or more. MH Ross plans can also cover you if your destination is officially declared uninhabitable due to the storm, or if your home or work place is made uninhabitable. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan.  Please read your policy certificate for specific information.

Protect Expensive Ski Equipment!

Travelers planning to bring their own equipment to the mountain may end up at the mercy of airlines, which have been known to be bothered a bevy of baggage blunders. MH Ross plans already include coverage for baggage loss and baggage delay, but the benefit levels are somewhat limited for expensive sports equipment. Skiers may consider the Sports Pac upgrade, which adds $1000 per person of coverage for:  rental equipment if yours is delayed by the airline; as well as unused and non-refundable lift tickets, equipment rentals and lessons if your trip is cancelled or interrupted due to a covered reason.

Not Enough Snow? Too Few Trails Open? Cancel For Any Reason!

There are many winter weather related reasons a trip can be cancelled under Trip Cancellation coverage, however, lack of snow on the slopes isn’t one of them. Skiers concerned about this should consider a plan with Cancel For Any Reason coverage. This allows travelers to decide for themselves whether to travel or cancel their trip, regardless of the reason why, and receive 75% of their pre-paid and non-refundable trip costs. Please be aware that to qualify for Cancel For any Reason coverage, the plan must be purchased within 15 days of the initial trip deposit date and the latest opportunity to use the Cancel For Any Reason benefit is 2 days prior to the trip departure. Please refer to the plan documents for full details.

Stay In Bounds

Most ski vacations will include accommodations and lift tickets to pre-marked slopes. Staying in bounds on the slopes means you will continue to be covered throughout your trip. Please note, MH Ross plans do not cover heli-skiing (dropping from a helicopter to the mountain) or off-piste skiing (skiing out of bounds). MH Ross plans are designed to cover your alpine skiing trip, which is skiing on trails and areas monitored by a ski patrol and under 15,000ft elevation.

Please contact MH Ross with questions about your next ski trip.  Agents are available 24/7 and ready to help!

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Travel Insurance for Winter Storm Jonas

Winter Warning Sign

Much of the US is preparing for severe winter weather from Winter Storm Jonas.  While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. MH Ross understands those with travel plans will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.

It is important to note, don’t rush out to buy travel insurance now to cover Jonas as MH Ross plans do not provide coverage for a storm that was already named prior to the purchase of travel insurance. In this case, policies purchased on or after January 21st, 2016 will not cover losses related to Patricia.

Policies purchased on or before January 20th, 2016 may have coverage for this storm.  Following are some general guidelines regarding the various coverages available:

Trip Delay – Additional meal and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to flight delays or cancellations. The dollar amount of coverage will be based on the plan you selected.  Please refer to your policy documents for complete details.

Missed Connection – All of our plans also include the missed connection benefit if your flight is delayed for 3 hours or more.  This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip.  The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased.  For more details, please review your plan documents.

Trip Interruption – MH Ross plans offer Trip Interruption coverage for your travel arrangements if they are disrupted due to the storm and you must leave or return later than originally scheduled. On MH Ross plans, covered reasons to interrupt the trip include:  12 hour or more flight delay due to weather; and home, work, or accommodations at your destination made uninhabitable.  Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan certificate or call MH Ross.

Trip Cancellation – Should your flight be delayed or canceled due to Jonas, MH Ross plans can cover cancellation penalties if you are not able to travel for 12 hours or more. MH Ross plans can also cover you if your destination is officially declared uninhabitable due to the storm, or if your home or work place is made uninhabitable. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan.  Please read your policy certificate for specific information.

This information is a general overview of coverage benefits that may apply if travel plans are impacted by the storm.  The coverage available for Winter Storm Jonas and your trip will be based on the terms in your travel insurance plan.  Please refer to your plan documents to learn more or contact MH Ross with questions.  Agents are available 24/7 and happy to help.

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Travel Protection for the Zika Virus

On Friday, January 15th, 2016, a travel alert was issued by the Centers for Disease Control and Prevention for Mexico, and countries in Central America, South America, and the Caribbean due to an outbreak of Zika virus in these regions.  MH Ross understands travelers planning to visit these regions will have questions about their travel protection.

MH Ross plans and the coverage available are not impacted by this travel alert.  Countries in these regions continue to be eligible destinations.  There are no exclusions or limitations for an epidemic or pandemic, should the situation worsen.  Should travelers become ill with the Zika virus, coverage may be available for Emergency Medical, Medical Evacuation, Trip Cancellation, or Trip Interruption.

Some travelers may prefer to cancel their trip out of concern for the Zika virus.  Plans with Cancel For Any Reason Coverage allow travelers to decide for themselves whether to travel or cancel their trip. Please be aware that to qualify for Cancel For Any Reason coverage, the plan must be purchased within 15 days of the initial trip deposit date and the latest opportunity to use the Cancel For Any Reason benefit is 2 days prior to the trip departure.  Please refer to your plan documents for full details.

MH Ross agents are happy to answer your specific questions, 24 hours per day.  Please contact us to learn more or refer to your plan documents for more information.

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Travel Insurance Tips for Thanksgiving Travel

Long lines, late layovers, lost luggage; Thanksgiving weekend is one of the busiest travel times of the year.  Crowded airports can present unexpected challenges for even the savviest of travelers.  MH Ross travel insurance plans can help alleviate some of the stress brought by baggage blunders, long delays and last minute cancellations.

Earlier this month, MH Ross shared 5 Survival Tips for Holiday Travel that help you plan for easier travel.  Now MH Ross is giving the top tips for how to get the most from your travel insurance if an unfortunate incident impacts your Thanksgiving travel plans.

  1. Arrive Early

This is the obvious one.  Plan to arrive earlier than usual to the airport, understanding there will be crowds.  Travel insurance can help you if the airline delays your flight because of weather, overbooking, or mechanical issues, for example, but a long line does not constitute an airline delay.  Make sure to budget enough time to arrive, park, check in and get through security to arrive at your gate in time for the flight.

  1. Report All Incidents

This is an important, but sometimes overlooked way to make sure your travel insurance claim is paid quickly.  If your baggage is lost, stolen or damaged, it is imperative that you report the loss to the police, airline or hotel, for example.  This helps document the events that occurred and confirm what, if any, restitution will be provided by the other parties involved.  Similarly, if a medical condition causes you to change or cancel your travel plans, please make sure to seek treatment from a physician.  Of course your health is the priority, but this will also document the reason for your change of plans.  This type of information is often needed to process claims, so make sure to report any and all incidents.

  1. Gather Documentation As It Happens

The best time to prepare for your travel insurance claim is during the event itself.  If your flight is delayed, ask the airline for documentation showing the time and cause of the delay.  If you arrive at the destination, but your baggage does not, the airline can provide you with documentation for the delay.  In both of these examples, the best time to acquire information is while you are still at the airport.  It is possible to obtain information after the fact, but this typically delays the process.

  1. Call Us With Your Questions

If something happens to your holiday travel plans and you aren’t sure what to do, please call us.  Our agents are happy to help you, 24 hours per day.  This can also help to document an incident, as discussed in number 3 on this list.  Your MH Ross plan also includes 24 hour emergency assistance; please don’t hesitate to use it.  Included are also non-emergency services that can be most beneficial during the holidays.  Concierge services, pre-trip travel advice and lost ticket replacement services are just a few examples.

  1. Do Not Procrastinate

This means don’t wait to report an incident, don’t wait to gather documentation, and certainly don’t wait to file your claim.  The first two have been addressed, but the last point is also critical.  MH Ross wants you to have an unencumbered travel experience, but if that doesn’t happen, MH Ross wants you to recoup as much as possible, as quickly as possible.  This starts with you filing a claim and providing documentation.  The trouble with waiting to file the claim is that if any additional information is needed, it is exponentially more difficult to obtain after several months have passed.

These travel insurance tips are useful for every type of trip, throughout the calendar year, but crowded holiday travel warrants the reminder.

MH Ross wishes everyone a Happy Thanksgiving and safe travels this week.

Inside Busy Airport

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