Travel Innovations

Travel Insurance

We now offer 3 options for insurance to give you more choices

Why Travel Insurance?
You may wonder why you should buy special travel insurance for your vacation. It's not just your investment you’ll be protecting; you’re also protecting yourself and your family. If you are involved in a car crash, injure yourself, lose your luggage during your trip, become ill, have to cancel your cruise, or are delayed en route and miss your connection, your ordinary insurance policies may not protect you! While it's true that many cruise lines offer travel insurance and some credit cards include baggage protection and flight travel insurance, those policies are usually limited, and don’t protect you from many serious risks. This is where Travel Insured International® can help you.

Travel Insured International® offers high quality travel protection plans. We offer comprehensive coverage for you and your family, and with several plans to choose from, you can be sure of getting the protection you need. Our most popular product, Worldwide Trip Protector is a comprehensive plan that protects you against most serious risks. Choose our Worldwide Trip Protector Gold program if you are looking for large amounts of medical and evacuation coverage. Airline Ticket Protector is the perfect plan to cover replacement of your non-refundable airline tickets in the event you can not travel because of illness or other listed reasons.

There is no co-pay or deductible, and all of our protection plans are primary, which means that if you make a claim, we pay first, before your other travel insurance plans.

Worldwide Trip Protector provides protection for many events that may occur before and during your vacation. Included in the plan are benefits for trip cancellation or interruption, travel delay, baggage delay or loss, death from aircraft mishap, medical expense, and medical transportation, if needed. The medical element of travel insurance is critical, since few health plans are in effect outside their country of issue. In fact, many HMOs and PPOs reduce benefits outside their local networks.

If you’re traveling abroad and need high medical and evacuation limits, take a look at our Worldwide Trip Protector Gold. The plan also includes the benefits of trip cancellation and interruption, lost or stolen baggage or travel documents, baggage delay, and accidental death and dismemberment. Some of the trip cancellation/interruption reasons included in both Worldwide Trip Protector plans are; weather, injury, illness, termination of employment or financial default of the airline, cruise operator, or tour operator which results in bankruptcy or discontinued services, terrorism, and jury duty.

Important Things to Consider Before Planning Your Trip:

Do I need long-term medical insurance when I travel?
Our long term medical insurance is designed for people, who don't have any other medical insurance. Since most people who can afford it have health care coverage in their home country, comprehensive travel medical insurance is of interest primarily to long-term travelers who have no medical insurance, or who are living and working outside their country of citizenship or permanent residence.

Who needs emergency travel medical insurance?
Travel medical insurance is designed for people who have medical coverage at home, but whose health plan doesn't cover them while they are traveling. Emergency travel medical insurance only covers emergency services abroad; once you get home, you're on your own (or presumably, back under your regular home coverage) for any necessary follow-up treatment or continuing care. Most health insurance plans and health maintenance organizations in the U.S.A include their own provisions for emergency care while abroad, at least for trips of less than 30 days. Check with your current insurer or HMO before you purchase an emergency travel medical plan that duplicates your existing coverage.

What is Medical Evacuation (Medevac) insurance?
Medevac insurance covers the cost of an air ambulance, attending physician and nurse, etc. if you are injured or so ill that you can't return home (or get to a suitable medical facility) on a scheduled commercial passenger flight. Medical evacuations can cost tens of thousands of dollars. This is coverage for the really big problems such as a helicopter rescue, which can run you in the tens of thousands of dollars. It makes sense to buy this coverage if you're going on an “adventure” vacation, or to an area where you'll be far from modern medical facilities.

Medicare does not provide for payment of hospital or medical services outside the United States.
Medicare provides no benefits outside the United States, and Medigap only pays for emergency care during the first 60 days you are outside the U.S. This leaves retiree's traveling for 61 days or longer with only two options: buy private coverage individually or through a group, or go without medical protection.

American Based HMOs and PPOs.
HMOs (Health Maintenance Organizations), while covering emergency room treatment anywhere, generally provide other coverage only through networks of doctors in your own state. PPOs (Preferred Provider Organizations) cover a greater portion of your medical costs only if you go to doctors in network, and again, the networks are usually only local.

What does trip cancellation and interruption travel insurance cover?
Trip cancellation and interruption travel insurance covers the cost of cancellation penalties or the cost of returning home if you have to cancel your trip, or cut it short, for specified reasons. The reasons are weather, injury, illness, termination of employment or financial default of the airline, cruise operator, or tour operator which results in bankruptcy or discontinued services, terrorism, or jury duty.

Travel Assistance Service, a phone call away.
Travel Assistance Service provides a variety of Medical and Travel Assistance services for individuals – services that no traveler should be without. Medical evacuation and Repatriation, Medical or legal referral, Guaranteed hospital admission, Translation services, Lost baggage retrieval, Inoculation information, Passport / Visa information, Emergency cash advance, Bail bond, Eyeglass replacement and much more.

Travelex - for U.S travelers. Also has currency exchange

Travelex plans combine travel insurance with extensive 24-hour emergency assistance services. Travel can mean encountering the unexpected, ranging from the inconvenient to truly serious. Travel protection plans offer comprehensive benefits to meet the challenges of travel and help you enjoy a worry-free trip.

Not sure you need travel protection? We have compiled the "Travelex Top 10" to highlight the importance of purchasing a plan before you depart on your trip:
1. "I’ve become ill and don’t feel well enough to travel"
When you purchase a plan that offers trip cancellation/ interruption coverage within a specified period of your initial trip deposit, you are eligible for waiver of pre-existing medical conditions. That means you can cancel your trip for an unforeseen sickness - and be reimbursed for any non-refundable expenses relating to your trip.

2. "My travel supplier just declared bankruptcy"
Common carriers with financial difficulties are becoming increasingly common. Purchasing trip cancellation/ interruption coverage from a third party like Travelex can protect you and your trip investment against such an occurrence.

3. "I think my son has an ear infection – what’s "ear infection" in Italian?"
Travelex plans offer 24-hour worldwide assistance. Call toll-free to access our 24 hour medical assistance helpline to receive advice or get information on English-speaking doctors in your area.

4. "We were on our way home when the airline went on strike"
The trip delay benefit covers for up to $750 TraveLite/$1000 Travel Plus in non-refundable expenses for strikes that affect public transportation.

5. "I arrived but my luggage didn’t"
Whether your bag is lost or merely delayed, you can be reimbursed for the purchase of clothing and personal articles so you can enjoy your vacation.

6. "My father-in-law fell and injured himself – I normally care for him"
The illness or injury of family members is also included under covered reasons to cancel. It’s important to remember that even if you are fit to travel, other events may make departing on your trip unthinkable.

7. "We missed our connection because of a flight delay"
You arrive in your connecting city but your flight is long gone and the next flight is not until tomorrow morning. The travel delay offers coverage for accommodations and meals.

8. "We were traveling when I suddenly developed chest pains"
When a medical emergency happens far away from home and from proper medical facilities, you want to ensure you receive adequate care. Our medical evacuation benefit will cover emergency transportation for you to the nearest facility or back home.

9. "A terrorist act has occurred in a city through which my flight will be connecting"
Both domestic and international terrorist acts are covered reasons to cancel your trip provided the act occurs in the insured’s city of destination and you must be scheduled to arrive in that city within 30 days following the terrorist incident.

10. "My wallet – with my cards and passport – has been stolen"
Emergency assistance services will assist you in reporting your lost documents and make arrangements for an emergency cash transfer should that be required. As well, the baggage benefit provides coverage for loss due to the unauthorized use of your card.

If you still have questions about what may or may not be covered, please refer to the Complete Details of each plan found on the respective "Learn More" pages

World Nomads - especially for people from countries other than the U.S.

World Nomads offers low cost travel insurance to residents from over 44 countries. With offer genuine 24/7 assistance anywhere on the planet provided for the United States by World Access, and elsewhere by Mondial Assistance, the world's largest travel insurance and assistance company. Combined with online claims and extensions available while you are still away, World Nomads offers some of the best travel insurance in the world today. World Nomads offers some of the best value online travel insurance available. The prices reflect both the efficiencies of the internet and the level of cover, which has been designed to meet the needs of independent and adventurous travellers.

World Nomads covers you for all your insurance needs regardless of where you're travelling in the world. Less focus is placed on travel delays and missed connections to ensure maximum medical cover to give you peace of mind when making the most of your overseas trip.

World Nomads travel insurance covers every country in the world, and from Bungee Jumping in New Zealand to white-water rafting in Nepal or skiing in Colarado, we also cover most adventure sports. Find out if what you want too do is covered with our simple guide to adventure. Travel plans often change. That is what's exciting. Unlike other insurers, who don't allow you to extend or purchase again outside your country of residence, World Nomads allows you to extend your policy indefinitely.

World Nomads partners with some of the best insurers in the world to provide unique but financially secure travel insurance to our customers. These include Allianz Australia, Allianz New Zealand, and World Access. They are all part of the Mondial Assistance Group, the largest travel assistance company in the world, with over 35 call centres in 28 countries.