WEDNESDAY, FEBRUARY 4, 2015
 With so many varying opinions about travel insurance, it can be tough to determine if you really need it or not. While a family that takes one short vacation per year may not worry about coverage as much, it's a good idea for frequent travelers. Why? Because you never know what's going to happen out there.
No matter how many details you plan for a trip, accidents happen, stuff gets stolen and medical emergencies pop up. You might slip and break an ankle while hiking through a jungle, or perhaps someone will pilfer your backpack, filled with expensive camera gear, when you turn your back to pay a food vendor. Just one of these incidents can end up costing tens or hundreds of thousands of dollars.
When considering travel insurance, note the following:
- Are you traveling within the country, to one specific country or globetrotting? There are travel insurance policies tailored to these specific locations.
- How many trips do you plan to take per year? If only one or two, you may insure each trip individually. If quite a few, you may choose to buy blanket coverage for the year.
- Does your health insurance cover international medical expenses? If not, you'll need temporary coverage during your travels.
When narrowing down travel insurance policies based on your travel needs, ensure that the policy you select includes the following coverages:
- Trip Cancellation: Covers unexpected travel interruptions that occur because of a covered event, such as illness, family death or severe weather.
- Baggage/Property: Covers your belongings throughout your travels.
- Health: Whether through your health insurance or travel insurance, it's vital that you are covered wherever you are.
- Medical Evacuation: Covers the transportation costs if you must be taken to another location for a hospital visit.
This may seem like a lot of options and decision-making, but it doesn't have to be a difficult process. Call your independent insurance agent for personalized assistance so you can head off on your next adventure with peace of mind.
We've got you covered. Call Tabitha E. Walker Insurance Agency at (540) 657-5633 for more information on Fredericksburg travel insurance.
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