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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How to Plan a Stress-Free Vacation

How to Plan a Stress-Free Vacation | MHRoss

Vacations are meant to be fun, peaceful and relaxing, not anxiety-ridden and stressful. But let’s face it – the amount of planning and preparation that’s required to step away from reality for a few days can be overwhelming. From booking travel arrangements, to tying up loose ends at work, to securing travel insurance, to organizing your budget, you can encounter speed bumps if you don’t plan effectively.

The last thing you want is to return home from vacation with more stress than you had before. With that in mind, here are a few tips to help you achieve the perfect, stress-free trip.

1. Do research. Though spontaneous trips can be dopamine-filled and exciting, it’s always a good idea to research your destination and familiarize yourself with the area before arriving. Thoroughly research local restaurants, transportation options, attractions and visa options. Identify any key attractions you’re interested in and map out the best route to get there. The more research you do in advance, the less chaotic it will be when you arrive and the more efficient you will be with your time.

2. Remember travel insurance. Don’t make the mistake of underestimating the value of travel protection! Travel insurance is designed to help protect you from unforeseen events like airline delays, trip cancellation, medical expenses and baggage loss. Experience the utmost peace of mind knowing that you’re protected in situations that are beyond your control. Explore our website to find the perfect travel insurance policy for you.

3. Pack light and in advance. Are you a victim of last-minute packing syndrome? Have you ever forgotten an imperative on your kitchen counter that caused trouble or stress on your vacation? Packing light and in advance is one of the simplest and most helpful ways to remove stress pre, during and post vacation.

As a general rule, it’s best to start packing for your trip several days before you leave. Pack any items you can and save the last minute toiletries and clothes for the day before you take off.

Stay away from packing unnecessary “just-in-case” items! Keep your clothing options simple, comfortable and stick to the necessities. Lugging around a heavy suitcase will make it difficult and stressful getting to and from an airport. For travel warriors – skip baggage claim and try to fit all of your necessities in a carry-on.

4. Limit technology use. You might feel pressured to touch base regularly with your boss and colleagues on vacation. While you probably can’t forgo technology completely, try to limit your laptop and cellphone usage to short, designated time blocks each day. Before you take off, make sure to let your work know that you will have limited access to internet and cellphone reception and to expect delays in your response. Setting the expectations beforehand will alleviate the burden of having to respond to real-time inquiries and allow you to fully embrace your vacation.

Do you have any great tips for maintaining a stress-free vacation? Please share your thoughts in the comments section below!

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Terror Attacks in Paris, France

On Friday, November 13th, 2015, multiple coordinated terrorist attacks occurred in Paris, France, claiming the lives of over 120 people and resulting in over 350 injured.  The U.S. Department of State identified these as terrorist attacks, 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 November 12th, 2015, may have coverage for these attacks.

Any travelers currently in France 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 well-being 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 Paris, France, 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 these terrorist attacks.  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.

Eiffel Tower

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5 Survival Tips for Holiday Travel

Holiday Travel Tips | MH

Nothing says, “Happy Holidays” like unforgiving airport security lines, delayed flights and grumpy travelers! If you’ve ever traveled during the holiday season, you’ve likely embraced the old idiom, “Every Man for Himself”. Everything from long lines and cancellations, to bad weather and impatient globetrotters, traveling in November and December can be utterly chaotic and stressful.

Though travel season is at its peak, your blood pressure doesn’t need to be! Here are five tips to help you survive the holiday season.

1. Avoid peak travel dates. One of the best ways to keep holiday travel stress away is to avoid traveling on peak travel dates. The day before Thanksgiving, Thanksgiving Day, Christmas and New Years are notorious for being busy commute days, so try to steer clear of booking flights then. With a little extra planning, you could head out a day or two before to skip the chaos and stress associated with heavy outbound traffic.

2. Research travel insurance. Some things are beyond our control. Unforeseen events like airline delays or cancellation can completely derail your travel plans. Last year, more than 3,000 flights were delayed during the holiday season. Global Alert travel protection helps to protect your travel investment by providing coverage for: Trip Cancellation or Interruption; Medical Emergencies; Baggage (loss, delay, or damage) or Trip Delay. Get a quote to find the right policy for you.

3. Dress comfortably. Most travelers carefully consider what they’ll pack for their trip, but forget what they wear during the flight is equally important. Your physical comfort is essential for an enjoyable commute. Wear shoes that will allow you to walk comfortably from your terminal, to baggage claim, to see the sights or your hotel.

And don’t forget to wear layers! The temperature on planes is volatile – they’re blazing hot, then ice cold, so make sure you’re prepared. It will also make extra room in your suitcase!

4. Leverage technology. There are numerous apps that can help make your vacation a breeze. Here are a couple that we like:

Hotel Tonight –This app is great in the instance that your flight is delayed and you need to book a last minute hotel. You’ll get great prices because hotels often give last-minute discounts on hotel rooms. In addition, the interface is easy to navigate, which makes booking a room as a simple as a click of a button.

Free Wi-Fi Finder – There’s nothing worse than feeling stranded and disconnected while you’re traveling. Free Wi-Fi finder allows you to search for free Wi-Fi spots in nearby locations so you’re always connected. This app is especially great for business travelers who need to work on the road.

5. Keep your cool. Even with these tips, it’s likely that you’ll experience some sort of turbulence during the holidays. When plans don’t unfold accordingly, take a deep breath, and repeat Adam Sandler’s famous words from Anger Management, “goosfraba”. If your plane is delayed or canceled, it’s not the gate agent’s fault, so try not to take it out on them. Don’t forget the golden rule, “treat others how you want to be treated.” Positivity is contagious!

Have great holiday travel tips you’d like to share? Leave them in the comment section below!

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Hurricane Patricia Brings 200 mph Winds To Mexico

On Tuesday, October 20th, Tropical Storm Patricia officially formed in the Pacific Ocean, and has since strengthened to hurricane status. Hurricane Patricia has sustained winds of 200 mph and is threatening the Pacific coast of Mexico.  While many travel suppliers and airlines are trying to reroute flights, some delays and cancellations are inevitable. MH Ross understands those with plans to travel to this area 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 Patricia 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 October 20th, 2015 will not cover losses related to Patricia.

Policies purchased on or before October 19th, 2015 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; home, work, or accommodations at your destination made uninhabitable; or a hurricane warning from NOAA within 24 hours of departure.  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 Patricia, 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, if your home or work place is made uninhabitable, or if your destination is under an official hurricane warning issued by NOAA within 24 hours of the trip. 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 Hurricane Patricia 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.

Wind Blowing Palm Trees

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4 Common Travel Insurance Myths Dispelled

4 Common Travel Insurance Myths Dispelled | MH Ross

Travelers are constantly asking us about common travel insurance myths and misconceptions. Some people think that it’s an overly expensive and complicated investment. Others believe that they’re impervious to accidents. Truth be told, unforeseen disasters like illness, trip cancellation and baggage loss can happen to anyone. In the unfortunate event that it happens to you, travel insurance brings solace in the fact that you and your travel investment are protected. MH Ross provides plans with benefits to protect the cost of your travel arrangements; your belongings; and most importantly, you.

To help you make more informed decisions about travel insurance, we’re going to dispel some common myths that we frequently hear.

1. I don’t need travel insurance! Nothing will happen to me!
Emergencies happen when you least expect it. Unfortunately, there’s no way to predict if you’ll make it through a vacation safe, smooth and sound. Even if you’ve safely circled the globe before, unforeseen forces such as flight delays, baggage loss, or illness could quickly ruin your travel plans. To ensure complete protection for yourself and your travel investment, you’ll need to secure a travel insurance policy that covers these core areas.

2. Medical insurance, homeowners policy or credit cards will provide sufficient coverage.
While many travelers think that medical insurance, homeowners policy and credit cards will provide sufficient travel coverage, it’s not that simple. Unless your insurance policy provides full coverage internationally, it may be significantly limited in the protection it offers. In many cases, personal coverage will not cover trip cancellation, natural disasters or medical expenses, including emergency transportation (which can be up to $100,000). Make sure you know exactly what your personal insurance covers and identify any gaps before embarking on your next trip.

3. My airline will cover me if my flight is delayed or canceled.

Some travelers have the misconception that airlines are required to reimburse costs associated with airline delays. If your flight is delayed or canceled, airlines are only obligated to put you on the next available flight – they’re not required to financially reimburse you. Airline travel insurance might offer a small amount of coverage, but there’s typically a limit to the costs they’re willing incur. Travel insurance brings relief for flight delays and cancellations by reimbursing costs incurred and providing a customer support system. For example, if your flight is delayed for more than 6 hours, travel insurance can reimburse you for meals, lodging, and additional transportation costs you incurred during your delay.

4. Travel insurance is only for people entering high-risk situations.
Adventure travelers or those traveling to remote parts of the world would certainly benefit from travel insurance, but they’re not the only ones. Unanticipated issues like illness, injury or baggage loss can happen to anyone on even the shortest and seemingly safest trips. Another important thing to keep in mind is that travel insurance isn’t just for YOU. Travel insurance can provide protection in the unfortunate event that a family member becomes ill and you have to delay or cancel your trip.

5. Travel insurance policies are all the same.
This is far from the truth at MH Ross. We want you to have the proper coverage, trust our team and travel insurance polices, and know you have comprehensive coverage. While all of our travel insurance policies provide protection against trip cancellation/interruption, travel delays, medical expenses, lost baggage along with 24/7 travel assistance services, they do offer varying amounts of coverage designed to fit your lifestyle and budget. For example, some policies provide Cancel For Any Reason coverage that allows you the freedom to cancel your trip without having to explain the reason why and be reimburse for a percentage of the pre-paid and non-refundable trip costs.

Do you have any travel insurance myths you’d like dispelled? Sound off in the comments section below.

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Hurricane Mid-Season Review

Many people only associate hurricanes with summer weather, but September marks the halfway point of hurricane season.  With over half the hurricane season behind us, it is a good time to review the storm activity since June 1st of this year and how travel insurance can help.  Here are the storms in the Atlantic and Eastern Pacific Oceans in 2015:


Tropical Storm Ana in May
Tropical Storm Bill in June
Tropical Storm Claudette in July
Hurricane Danny in August
Tropical Storm Erika in August
Hurricane Fred in September
Eastern Pacific
Hurricane Andres in May
Hurricane Blanca in May
Hurricane Carlos in June
Hurricane Dolores in July
Tropical Storm Enrique in July
Tropical Storm Felicia in July
Hurricane Guillermo in July
Hurricane Hilda in August
Hurricane Ignacio in August
Hurricane Jimena in August

While this seems like a high amount of storm activity, the good news is that few of these storms have made landfall.  This is in line with the prediction from NOAA of a below normal hurricane season.

We are still in hurricane season until the end of November, but this can be an economic time to travel.  According to the Orange County Register, booking during the second half of hurricane season might be worth the risk, when unaffordable destinations become affordable.

“I know, you’re shaking your head and telling me that I’m crazy, because why would you want to plunk down money on a vacation that might be ruined?

But if you buy travel insurance, you can get most or all of that money back, which is why it might be worthwhile to throw the dice.”

Hurricane Evacuation Route Sign

The best travel insurance advice when it comes to hurricanes is to purchase a policy quickly once you book the trip.  There are two important reasons for shopping early:

  1. Don’t Wait For A Storm To Form
    In order for travel insurance to cover a tropical storm or hurricane, the policy must have been purchased before the storm was named. Once the storm is named, any policy purchased after that time will not be eligible to cover that storm.  Buying travel insurance early in the travel planning helps avoid this issue.
  2. Cancel For Any Reason Makes It Your Choice
    This coverage benefit literally lets you make the choice whether to cancel the trip and recover most of your losses. MH Ross Advantage Asset and Complete plans include Cancel For Any Reason coverage 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 trip costs.

Read more about how travel insurance can help during a storm in the MH Ross Hurricane Season Guide for Travel Insurance.

Please contact MH Ross with questions or for advice.  Our agents are happy to help you 24 hours per day.

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Get Holiday Travel Insurance Before Santa Is On Store Shelves

September may feel like it is too soon to think about the holidays, but it won’t be long before stores are overrun with the sights and sounds of Christmas.  Planning your travel early is a great way to save money, but don’t forget that purchasing travel insurance early is also how to get the most value for your dollar.  MH Ross travel insurance plans provide three important reasons to purchase a policy soon after booking the trip.

Thumbtacks on a calendar

It is important to note, once a payment is made toward the trip; that is considered the trip deposit date.  If a policy is purchased within 15 days of the deposit date, and all conditions are met, additional benefits may apply, at no additional charge!

  1. Pre-Existing Conditions Can Be Covered

Pre-Existing Conditions can be covered on MH Ross Asset, Asset Plus, Bridge, and Complete plans via a Waiver of the Pre-Existing Conditions Exclusion.  To qualify for this waiver, the policy must be purchased within 15 days of the initial trip deposit date and the travelers cannot be disabled from travel at the time the policy is purchased.

Having this benefit is important not just for a medical emergency during the trip, but also extends to Trip Cancellation and Trip Interruption coverage.  This means an unexpected onset of a Pre-Existing Condition can be a covered reason to cancel the whole trip or interrupt and return home early.

  1. Cancel For Any Reason Gives You The Choice

Cancel For Any Reason is a benefit available on MH Ross Asset Plus and Complete plans, and literally allows you to choose whether or not to cancel the trip.  This is different from the Trip Cancellation benefit, which requires the trip be cancelled for one of the covered reasons in the policy, for example, medical reasons discussed in number 1.

To qualify for the Cancel For Any Reason benefit, it is required the policy be purchased within 15 days of the initial trip deposit date, and 100% of all trip costs must be insured.  With this benefit, you can decide to cancel the trip at any time, up to 2 days before departure, and claim 75% of your unused and non-refundable trip cost.  Remember, if the reason for cancelling is covered by Trip Cancellation, you can claim that benefit and receive 100% reimbursement.  Only if the scenario isn’t one of the covered reasons would you claim using the Cancel For Any Reason benefit.

  1. Have A Policy Before Something Happens

This one may seem fundamental, but is often overlooked by travelers.  Once a situation occurs that will impact the trip, it is then too late to purchase a travel insurance policy to cover it.  One of the most common examples is bad weather, namely hurricanes and tropical storms.  Once a storm is named, a new policy purchased will not cover that storm.  If a policy was purchased before the storm was named, that storm can be eligible for coverage.   Another regular occurrence is an unknown medical condition of a family member.  Once it is declared a family member’s illness will cause the trip to be cancelled, it is too late to buy a policy to cover cancellation for that reason.

Regardless of when retailers decide the holiday season is here, make sure to book your holiday travel insurance soon after booking your holiday trips.  For the same price, you can better protect your vacation investments, and focus on family, friends, food, and the other blessings that accompany the holiday season.

Please contact MH Ross with any questions, our agents are available 24/7 and eager to help.

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Sewage Closes Waikiki Beach – The Value Of Cancel For Any Reason Travel Insurance

Travel Insurance with Trip Cancellation coverage protects your vacation from a number of unforeseen events that are out of your control.  But what happens if your need to cancel the trip isn’t listed in the covered reasons for Trip Cancellation?  This was the case for many tourists as Hawaii’s Waikiki Beach is Off Limits After 500,000 Gallon Sewage Spill, according to Alastair Jamieson of NBC News.

“Sewage poured from manholes as storm water linked to Tropical Storm Kilo overwhelmed drains, state health officials said.”

“City officials were posting warning signs and police officers and lifeguards were at the beach to warn visitors and residents about the contamination.”

Waves Crashing Against Shore

Thankfully, this is not a picture of sewage on Waikiki Beach.

This is a good example, albeit a nauseating example, of how Cancel For Any Reason coverage can be worth the price to fill in the gaps from the Trip Cancellation benefit.  That’s right, Cancel For Any Reason allows you to make the decision to cancel the trip, without having to explain the reason why.  There are several requirements for the Cancel For Any Reason benefit that are important to highlight.

Shop Early – To qualify for the Cancel For Any Reason benefit, the travel insurance must be purchased within 15 days of the initial trip deposit date.

Insure The Full Trip Cost – If you are only interested in the Trip Cancellation benefit, you can choose the dollar amount you insure as your trip cost.  However, the Cancel For Any Reason benefit requires the full trip cost to be insured.

No Last Minute Cancellation – The last chance to use the Cancel For Any Reason benefit is 2 days or more before the trip begins.  Once the trip is less than two days away, the Cancel For Any Reason benefit no longer applies.

Less Than A Full Refund – The Cancel For Any Reason benefit reimburses 75% of the unused, non-refundable, pre-paid trip costs.

Please remember, a policy with the Cancel For Any Reason benefit will also include the Trip Cancellation benefit.  While a beach closing isn’t a covered reason for Trip Cancellation, plans can include reasons like mandatory evacuations or accommodations made uninhabitable.   In any situation, you are able to file a claim under the coverage benefit that works the most in your favor.

Please contact MH Ross with any questions.  Our agents are available 24/7 and happy to help!

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Top 10 Reasons You Need Travel Insurance

You’ve heard about travel insurance from a travel agent, on the news or from a fellow world traveler, but the real question is whether or not you need it.  Like most insurance, the answer is a question of risk and your tolerance for taking risks.  However, with travel insurance, many vacationers aren’t aware of what may be at risk and the solutions available to protect them.  MH Ross compiled this list of top 10 reasons you need travel insurance to help travelers make a more informed decision for themselves.

  1. Your Belongings Are Important

Think about the last time you packed a suitcase for a flight, what was the total value of those items?  Once checked in for the flight, your belongings are entrusted to the care of the airline.  Everybody hopes to meet their luggage at the destination, but this doesn’t always come to fruition.

Travel insurance includes two coverage benefits that can help with luggage fiascos.  In the short term, someone without their luggage will need a change of clothes, toiletries and other essentials.  The Baggage Delay benefit can reimburse for these necessary items if your bags are delayed by the airline or other common carrier by at least 12 hours.

For luggage that is permanently lost, damaged or stolen, the Baggage and Personal Effects coverage can help.  Similar to a homeowners or renters insurance claim, this can reimburse the actual cash value of those items, up to the limits in the plan.

  1. You Are Called In To Work

One of the first steps in travel planning is making sure the scheduled dates are approved by your employer.  However, work emergencies can happen, and even the most cautious planners could have this backfire.  MH Ross plans can cover Trip Cancellation and Trip Interruption if your employer revokes previously approved time off and is requiring you to work.

  1. Flight Delays Are Too Common

You will be hard pressed to find a frequent traveler who has never experienced a flight delay.  Sometimes, the delay is short and a little extra anxiety is the only outcome.  Other times, delays can be excruciating, resulting in unplanned expenses and causing a domino effect on your itinerary.  MH Ross travel insurance plans can help travelers in this type of situation with the Travel Delay benefit.  If the airline delays your flight more than 6 hours, you can be reimbursed for food and lodging, as well as additional transportation costs.

Flight departures cancelled

  1. Small Costs Add Up

A single flight delay may not seem like enough to significantly impact your trip, but the totality of expenses and non-refundable payments could be more than you realize.  The best case scenario is that you wait longer than expected in an airport, ultimately making it to the destination unfazed.  The opposite end of that spectrum could include a variety of expenses.  There could be multiple meals and hotel expenses in a city you had not planned to stay.  A longer delay could mean a missing a connecting flight or a cruise ship departing without you.  In addition to extra expenses to reach the destination, it is possible that you’ve missed the first day or several days of the original trip, and won’t get a refund.  MH Ross plans offer Trip Interruption, Trip Delay and Missed Connection coverage benefits to help recoup these types of unplanned expenses and prepaid costs that are not refunded.

  1. Hurricane Season

It happens every year, for much of the year and during prime vacation months.  Hurricanes are unpredictable; planning months ahead means you won’t know if there will be a storm, and if a storm is forming as the departure date approaches, you cannot be sure of the path it will take.  MH Ross plans include multiple covered reasons for Trip Cancellation and Trip Interruption that can apply to hurricanes: mandatory evacuations, flight delays, damaged accommodations, and hurricane warnings.  To learn more, please review the Hurricane Season Guide For Travel Insurance.  For those who rank hurricanes high on their list of concerns, consider Cancel For Any Reason coverage, which is explained in number 5.

  1. You Decide To Cancel

This one may sound strange, but you could just change your mind about the trip and have a travel insurance claim paid.  The one coverage benefit that allows you to make this choice without having to explain why is called Cancel For Any Reason.  There are requirements to qualify for this coverage: the plan must be purchased within 15 days of the initial trip deposit date, the full trip cost must be insured, and the last chance to cancel the trip is 2 days before departure.  If these requirements are met, you can make this decision yourself and still be reimbursed 75% of your trip cost.

  1. The Relative You Didn’t Know Was Sick

Sickness, injury or death of a family member is one of the most commonly claimed reasons for Trip Cancellation.  Many people will consider the health of aging parents or grandparents when planning a trip, but MH Ross travel insurance plans cover more family than that.  Family also includes Aunts, Uncles, In-Laws, Step Children, Foster Children, Domestic Partners and more, even if they are not traveling with you.  Travel insurance can reimburse your pre-paid and non-refundable expenses if you cancel or interrupt for this reason, as well as other reasons discussed in number 3.

  1. Your Trip Is Non-Refundable

You made an investment by booking your vacation.  What would happen if you couldn’t go?  Often, travelers make the mistake of assuming the airline or cruise line will refund their money if there is a valid reason they cannot take the trip.  Sadly, more often than not, travel suppliers will abide by their strict cancellation penalties, leaving the traveler with no money back and no vacation.  Trip Cancellation and Trip Interruption coverage in travel insurance can reimburse the pre-paid and non-refundable expenses if the trip is cancelled for a covered reason.  These can include medical reasons, weather delays, terrorist attacks and financial default of a travel supplier, among other reasons.  If your concerns don’t fit into the covered reasons, consider Cancel For Any Reason coverage discussed in number 5.  Please refer to the plan documents for details, or contact MH Ross to discuss your specific needs.

  1. An Evacuation Could Bankrupt You

Medical emergencies take the top 2 spots on this list, and these are particularly true for international travelers.  All MH Ross travel insurance plans include Medical Evacuation coverage.  This benefit can cover the costs of medical transportation to a facility to receive treatment, to a different facility for specialized treatment or back to your home hospital if medically necessary.  The cost for emergency medical transportation is often multiple thousands of dollars and this service is rarely covered by traditional health insurance plans.  Without travel insurance or other adequate coverage, this type of unexpected and large expense could leave travelers in a difficult financial situation.

Medical Evacuation Helicopter

  1. The Trip Is “Out of Network” For Your Health Insurance

Emergency Medical coverage during the trip is the number 1 reason to consider travel insurance, and should also be travelers’ number 1 item to check their own health insurance while in the planning stages of a trip.  If your health insurance adequately covers you during the trip, you may consider a travel insurance plan with low medical limits to save money, while still protecting against delays and cancellations discussed in this list.  However, if you know there is zero coverage or large out of network costs to use your health insurance during the trip, a higher Emergency Medical limit on your travel insurance plan is more valuable.  MH Ross travel insurance plans can make up for gaps in traditional health insurance, including reimbursing you for deductibles and co-payments.  With Emergency Medical Coverage, travelers should also consider whether they are concerned with any Pre-Existing Conditions.  If so, this is another reason to shop for travel insurance early, as all MH Ross plans offer a Waiver of the Pre-Existing Conditions Exclusion if the plan is purchased within 15 days of the initial trip deposit date.

Please contact MH Ross to discuss your travel insurance needs.  Agents are happy to answer your questions 24 hours a day.

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