Travel Insurance Myths Debunked

There are many misconceptions about travel insurance, including what it does and how it can help. We’re clearing up the misconceptions and answering your questions about travel insurance. Here are some myths (and truths) about travel insurance that can help you make an informed decision.

Myth: “My flight is delayed. I have to get a hotel room and I’m going to have to pay for it.”

Truth: Our travel insurance plans can provide coverage – including reimbursement for hotel stays and meals – if your plane is delayed.  Under the Travel Delay Benefit, you may be reimbursed (up to the plan limit) for additional reasonable meal, accommodation and local transportation expenses if you are delayed beyond a minimum required time for a covered reason such as delay of a common carrier.

Myth: “My homeowner’s insurance will take care of me if I lose any valuables while traveling.”

Truth: You’ve been told to leave your valuables at home, but sometimes an expensive camera or formal suit taken on the trip is lost or stolen. Your homeowner’s policy may not cover the entire loss. In fact, your homeowner’s policy may include a deductible in case of the loss of unscheduled personal property, but travel insurance may fill in the gap with actual cash value coverage. It is important to note there is a per item limit of $300.

Myth: “I am nervous about a terrorist attack happening while I’m on vacation, but there is nothing I can do about it.”

Truth: Unfortunately, terrorist incidents have become part of our reality. If your trip is affected by an unforeseen terrorist incident, we have plans available that can address your financial loss.

Myth: “If I get sick while overseas, I’ll use my health insurance to pay the bills.”

Truth: Many health insurance plans offer little or no coverage for on-trip overseas medical bills. Our travel insurance plans can provide coverage for your on-trip medical expenses. Our plans may also provide coverage for medical transportation costs if you must be medically evacuated for appropriate care.

Myth: “I can trust my airline and travel provider – nothing can go wrong.”

Truth: It’s possible that your airline or travel supplier could go bankrupt or cease operations. It is true that other airlines or travel suppliers may try to find space for you, but it usually comes at a cost. Our plans cover supplier Bankruptcy or Default when the policy requirements are met.

Now it’s your turn to pass on the knowledge! Share these facts with your clients, friends and family who could benefit from the coverage of travel insurance.

 

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Top 5 Tips for Travel Agents


Whether it’s about your business details or your relationships with your clients, we’re sharing the top five tips for travel agents.

1. Specialize. Pick destinations or activities and become an expert in those areas! A lot of people are armed with general travel knowledge thanks to the Internet, but when people are looking to get specific details or help, they’ll search for a true expert – you!

2. Grant your clients special access and memorable experiences. Your clients want to really experience their vacation. That means if you can sell them unique vacations, you will add value to their vacation. 

3. Ask yourself if you’re delivering the best value. With the travel market constantly changing, clients will ask themselves if they’re getting competitive rates and good service. Make sure your prices are right and you know your business inside and out. Pay attention to the details and your business will soar. 

4. Develop a trusted reputation. Word of mouth is an important part of your business. If you’re perceived as a trusted travel advisor, the business will come to you instead of having to use pushy sales skills on uninterested consumers. Including travel insurance in your clients’ vacation packages is another great way to build trust. If something unexpected occurs on their trip and the travel insurance may reimburse them, they will have you to thank for that.

5. Use a smartphone. This is important for several reasons. It allows you to be responsive through voice calls, email and social media. Tip: You can use Google Voice to have one number that rings to your land line, mobile or any other number.

Tell us – what’s your best tip for travel agents? Leave a comment below, write on our Facebook page or Tweet us. We look forward to hearing from you!

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Does Travel Insurance Cover Electronics?

We depend upon our electronics to connect us with the rest of the world and manage our lives, so it’s no wonder that our cell phones, laptops and iPads accompany us on our vacations.

That’s why when we were recently asked if cell phones and laptops are covered with travel insurance, we knew it was important to share the answer with you.

In general, the baggage benefit provides actual cash value coverage with limits specified in the policy.  There is coverage up to $300 for a personal computer, but cell phones are not covered.  If you want additional coverage for electronics, you may want to include the optional Extended Personal Property Pac, which, for an additional cost, provides coverage up to $1,000 after a $100 deductible for personal computers and cell phones.

If you have further questions about travel insurance and the coverage it provides, leave a comment below, reach out to us on Facebook or tweet us. We look forward to hearing from you.

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Ebola Outbreak: Travel Insurance Can Help

Ebola virus continues to make headlines. It’s important to understand the risks and know how travel insurance can help protect you, your vacation plans and investment in your vacation.

If you or your travel partner contract the Ebola virus before or during your travel, and you meet the policy requirements for canceling or interrupting your trip due to sickness, the travel insurance plans may provide coverage. Plans that include Cancel For Any Reason would allow someone to cancel due to a fear or concern that something might happen as long as the requirements regarding timely purchase of the insurance, the amount of insurance purchased, and the date the trip is canceled are met.

Do you have questions about the Ebola outbreak and the coverage travel insurance can provide? Call us 24/7 at 800-423-3632, email us at info@mhross.com, contact us on Facebook or tweet us. We’re here to answer your questions!

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Does Travel Insurance Cover Hurricanes?

We are in the midst of Hurricane Season with Pacific and Atlantic Hurricane Season both officially coming to an end on November 30.  If you’re planning a vacation and are interested in having travel insurance protection, there are a few things you need to be aware of first:

Travel insurance provides coverage if there is a hurricane.

In the event of a covered hurricane or other unforeseen severe weather, travel insurance provides coverage under the Trip Cancellation and Interruption benefit. If your trip is cancelled for a covered reason, we will refund the pre-paid, forfeited, non-refundable trip costs trip up to the limit of coverage.

If your flight is delayed or canceled due to a hurricane or another unforeseen weather event, travel insurance can cover additional accommodation and travel expenses until you are able to travel.

If you’re staying at a resort that becomes damaged due to the hurricane before your scheduled departure, your non-refundable costs will be reimbursed.

Purchase travel insurance as soon as possible.

Insurance must be purchased 24 hours prior to when the hurricane has been named. Once the hurricane has been named, losses resulting from the hurricane are not included from the coverage of the policy.

If you’re taking a cruise, take a close look at the cruise line’s travel insurance.

If there is bad weather on the horizon, it’s up to the captain to decide whether or not the ship will sail to the ports on your itinerary. If your ship is rerouted or has to remain at sea, the cruise line does not have an obligation to give you a refund or credit for a future cruise.

Travel insurance can protect you from any changes and cancellations. However, travel insurance from the cruise line will usually only provide coverage while you are on the cruise ship. Make sure you get comprehensive travel insurance that covers you from door-to-door.

If you have more questions about how travel insurance can provide coverage during hurricane season, leave a comment below, reach our to us on Facebook or Tweet us.

 

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What is Medical Evacuation Coverage?


Medical evacuation is a topic that is often overlooked when purchasing travel insurance because most of us assume “it won’t happen to me”. However, each year thousands of people of all ages traveling abroad have an emergency that requires a medical evacuation.

You must ask yourselves these important questions: What if you had a sudden health issue on your trip? Would you know which hospital to go to? What if you were unhappy with the care you were receiving? What if you didn’t speak the local language? Most importantly, what if you required an evacuation to get proper treatment?

Medical Evacuation coverage (up to $500,000) is a part of all MH Ross travel insurance plans. The benefits you will receive include:

  • Arrangement and coordination of medical evacuation
  • Arrangement of transportation to nearest adequate medical facility when appropriate care is not available locally
  • Emergency messages sent to family, friends and/or business associates
  • Reimbursement or payment for transportation expenses
  • Assistance with emergency cash transfers

Non-Medical Evacuation is also included in our insurance plans. You can be evacuated due to natural disaster, civil, military or political unrest.

As always, it is important to read your plan provisions to fully understand your coverage. Remember, we’re here with you wherever you go.  If you have a question about medical evacuation coverage, leave a comment below or call us at 800-423-3632.

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Travel Bags & Gift Cards Giveaway Winners Announced

We’re excited to announce the 5 winners of our Facebook Travel Bags & Gift Cards Giveaway! We randomly selected a grand-prize winner and four runners-up. The grand-prize winner will receive a travel gift bag with a $200 Visa gift card, and the runners-up will each receive a travel gift bag with a $100 Visa gift card. And the winners are – drum roll please…

Grand-prize winner:

  • Andrea Ellis

Runners-up:

  • Christopher Buehler
  • Alicia Glaser Pearlman
  • Katie Cutler Harrison
  • Debbie Phillips

A big thank you to everyone who participated in the contest! If you have questions about MH Ross or travel insurance, we’re here to help at info@mhross.com or 800-423-3632.

Read also…
6 Popular Destinations for Fall
Fall Into Travel With These 5 Tips
5 Up-and-Coming Honeymoon Destinations

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6 Popular Destinations for Fall

From the grapevines of Sonoma to Nashville, many popular travel destinations offer lower prices, boast fewer crowds and better temperatures during the fall season. Read on to discover 6 popular travel destinations for the upcoming season.

1. Sonoma | Sonoma, located only 45 minutes away from San Francisco, offers spas for relaxation, wineries for wine tasting and great restaurants for foodie travelers. Make stops by The Girl and The Fig and Ravenswood Winery for great food and wine.

2. Salt Lake City | Salt Lake City offers a variety of outdoor activities including hiking in national parks, golf and camping. If you’d rather stay indoors, Salt Lake City is also known for it’s great shopping. In fact, the first department store in the United States opened for business in Salt Lake City in 1868.

3. Denver | The Mile High City boasts 300 days of sunshine, award-winning restaurants and a diverse mixture of neighborhoods. If you’re taking the kids with you, Denver has a lot of kid-friendly activities, too.

4. Chicago | With a mix of skyscrapers, beaches and over 5,500 restaurants, it’s no wonder that Chicago is the most-visited city in the Midwest. For a free and enjoyable activity, check out the Lincoln Park Zoo.

5. San Antonio | San Antonio is a great place to experience warm weather, friendly people and historic attractions. Don’t leave San Antonio without a visit to the Alamo and wandering around the downtown River Walk.

6. Nashville | The Music City is a vibrant travel destination that offers a one-of-a-kind music scene, art galleries and The Music City Walk of Fame. As an added bonus, the Tennessee State Fair will take over Nashville from September 5-14 this fall.

The fall season can also bring unexpected weather which can disrupt your vacation plans.  No matter where you travel to this fall, make sure travel insurance is part of your travel plans.

Read also…
It’s Giveaway Time!
Fall Into Travel With These 5 Tips
5 Tips For Flying With A Laptop or Tablet

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Fall Into Travel With These 5 Tips

The summer is coming to an end, the school semester is starting, and that can only mean one thing – fall is just around the corner. Here are 5 tips that can help make your fall vacation a success:

1. Keep an eye on the weather. Check dependable sources like The Weather Channel or the AccuWeather.com app to get an idea of what kind of weather you’ll encounter on your vacation. Weather patterns can always change, so don’t forget to protect yourself against the unexpected. Travel insurance can help you by protecting you against unexpected delays and cancellations due to weather.

2. Pack accordingly. Since the weather can be unpredictable, make sure to pack a variety of clothes and accessories. A few items that you should consider taking on your next vacation include a sweater, a rain jacket, an umbrella and a pair of closed-toe, comfortable walking shoes.

3. Consult a travel agent. Travel agents use their expertise and inside knowledge that can make your vacation more enjoyable and save you money! They are especially helpful when it comes to international travel, honeymoon travel and large group travel.

4. Protect your vacation with travel insurance. In addition to protecting you against unexpected delays and cancellations, our travel insurance policies include coverage for medical emergencies, non-medical evacuation, missed connections, delayed baggage, and the ability to cancel for any reason.

5. Take advantage of off-season perks. Out of season travel is the perfect way to avoid crowds along with higher-priced accommodations and airfares. You’ll also get a more intimate feel for your destination.

So tell us, where are you headed for your fall vacation? Leave a comment below, tell us on Facebook or Tweet us. We look forward to hearing about your upcoming vacation!

Read also…

5 Up-And-Coming Honeymoon Destinations
Make Your Beach Vacation a Success
International Travel Tips

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It’s Giveaway Time!

We’re giving away 5 travel gift bags to our Facebook followers! Our grand-prize winner will ride off into the sunset with a travel gift bag that includes a $200 Visa gift card, and four other winners will each take home a travel gift bag with a $100 Visa gift card.

Head over to our Facebook page for your chance to win.

Tell us, if you are our grand-prize winner, what would you spend your gift card on?

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