15 Questions to Ask Your Travel Insurance Company


How long has it been since you reviewed your travel insurer’s benefits? Chances are their coverage has changed since the last time you reviewed their Benefits. To make sure your clients are getting the most for their investment, ask these 15 questions to any travel insurer you’re considering:

  • Do they have Flat rates for children under 18? The advantage here is kids do not have to be family or related. Max 2 flat rates per paying adult in each enrollment.
  • Do they have Hurricane Warning Coverage for Trip Cancellation?  TravelSafe provides this coverage.  We offer it if within 24 hours of your clients Scheduled Departure Date and time their Trip destination is under a hurricane warning issued by NOAA instead of waiting for flights to be stopped or the Hurricane to actually hit!
  • How about revocation of previously approved time off from work as a covered reason for Trip Cancellation? This is a covered non-medical reason for us.  No need to add a work cancellation option, it’s already in there with Classic & Prestige plans.
  • Do they have Non-Medical Emergency Evacuation?  Up to $25,000 due to a formal recommendation from the appropriate local authorities, or the U.S. State Department, for customers to leave a country.
  • What’s their Missed Connection coverage? Do they have $2,500.00 in benefit coverage? Probably not, most have only $250 to $500.  At TravelSafe, that amount is included in our Basic program.
  • Is Unemployment covered as a valid reason for Trip Cancellation?  We only require that your client have been with the same company for 1 year, not the 3 to 5 years others require.
  • Do they protect your Commissions?  TravelSafe automatically includes Commission Protection without commission reduction in all of our Programs! We even cover CFAR cancellations for Classic Plus.
  • Do they offer Unrestricted Benefits for Terrorism?  TravelSafe has no restrictive lists that exclude coverage based on countries visited, times of travel, or State Department Warnings.
  • Do they offer Unrestricted Benefits for Financial Insolvency?  Again, we have no restrictive lists of approved suppliers or non-covered suppliers. Just have your clients buy within 21 days of deposit.
  • Do they offer a 12-hour Baggage Delay?  Most plans require your clients’ bag to be delayed 24 hours.  TravelSafe’s benefits begin after a 12-hour delay.
  • What’s their definition of a Pre-Existing Condition?  What’s their “Look back period”.  The language varies slightly but essentially any illness, disease or other condition that undergoes a change during the look back period is considered Pre-existing.  Ours is 60 days while other plans look back 90 or even 180 days. That means something your client was treated for 6 months ago could be an issue!
  • Do they have Deductibles? NO deductible for Medical, Baggage or any other coverage … even in our Basic plan! Only our optional Extended Personal Property Pac benefit has a deductible.
  • Do they offer Non- Emergency Medical Evacuation home or to Hospital of Choice?  It’s automatically included at no additional cost in all of our TravelSafe Plans!
  • Do they have Coverage for Frequent Flyer Rebanking Fees?  We do, for up to $150 for the cost of airline-imposed fees to rebank frequent flyer miles.
  • Do they offer Concierge & Business Services? TravelSafe offers these services Free in all of our plans except for our Basic plan.

 

To learn more about TravelSafe’s amazing benefits for travel agents, click here or call us at 1-888-885-7233. We look forward to hearing from you!
Your friends at TravelSafe

Passengers Without Carry-On Bags Will Board First

American Airlines is making changes for passengers traveling light. The airline announced the “new system-wide boarding process that saves overall boarding time by allowing customers who are traveling light to board earlier. Customers traveling with one personal carry-on item that fits under the seat in front of them will be invited to board before Group 2.”

Another change in the airline’s policy will allow passengers to leave their carry-ons at the gate for check-in if they want to (that’s currently a free service).

Rising fees and the subject of overhead baggage have been filling headlines. So we want to hear your opinion on the recent changes. Do you think these changes are fair to passengers? Will you change your packing habits now? Leave a comment below, write on our Facebook page or Tweet us. We look forward to hearing from you!

Lost Luggage Tips

 

Did you arrive at your destination, but your luggage did not?  Unfortunately, we hear many stories about lost luggage and the stress it can add to a vacation.  There’s nothing worse than arriving at the resort and not having your swimsuit to enjoy the sun or arriving at the golf course without your golf clubs.  Wherever or whenever your luggage is lost, we have tips to help you know what to do (or not do!) if your bag is lost.

 

  • Stay calm. It is easier said than done, but keeping your cool is important in these situations.  When you are reporting your missing luggage, remember that they are not the person who lost it.  In fact, they are the people that can help you reunite with your precious cargo, so be kind!  Plus, if you’re calm, you’ll be more likely to provide clear and correct information that can help locate your bag.
  • Include details. If you provide details about your luggage and the contents inside including colors and size, there is a better chance it will be located and returned to you. Moreover, a photo can save the day in this type of situation. Snap a quick photo of your luggage (and a picture of the contents packed inside) on your phone so that  you can provide that to the airline as well.One more thing – if you create a packing list, that type of information can be very helpful when filling out airline and travel insurance claim forms.
  • Travel insurance, travel insurance, travel insurance! Travel insurance can provide an important safety net in many situations, but it can be especially helpful when your baggage is delayed. You can receive up to $250.00 if your baggage is delayed for 12 or more hours with our Travel Safe Classic Plus plan.If your worst nightmare comes true and your bag is lost, the same TravelSafe plan provides up to $2,500 for your baggage or personal effects.  In this case, make sure to keep your receipts for the replacement items you purchase and have a copy of the letter or email from the airline confirming that your bag was lost.  To view the complete plan details, click here.
  • Don’t give up! A common mistake many people make is to leave the airport and “deal with the next day”. No matter how tired or jet lagged you may be, it is important to report the bag as lost immediately. The airline will likely require you to file an official report (some airlines within 24 hours), and it will be the most effective if you file it at the airport.It is important to note that you can also file a report if your bag was damaged instead.
  • Leave your valuables at home (or at least in your carry on). Even though travel insurance and the airlines can help you with the cost of replacing your lost luggage, no one can replace your grandmother’s pearl necklace or anything that has sentimental value. If you have items that you would describe as “priceless”, leave them at home. If you must bring them on your trip, pack them in your carry on so that you can be sure they are not lost.
Now it is your turn to tell us, have you lost your luggage on a vacation? What is your tip for dealing with the airlines? Sound off in the comments below, post on our Facebook page or Tweet us. We look forward to hearing from you!