The biggest “gotcha” is the exclusion for pre-existing conditions. Many plans offer a “waiver of pre-existing conditions” provided you buy the insurance early, within the required time period – usually 10 to 30 days depending on the plan following your first trip payment date. We recommend shopping for coverage within 10 days of your first trip payment in order to have the most options.

Resolution 2: Shop around for travel insurance.

There can be over a 300% difference in price between reputable plans for the same trip. Buy the one that is right for you at the right price.

Resolution 3: Remember the ABC’s of travel insurance.

Always shop around for insurance. Find the plan that is right for you.

Be aware of policy limitations and exclusions. Travel Insurance plans have limitation and exclusions – make sure you understand them.

Coverage for most travel insurance plans is “named peril”. It is call “named peril” because it only covers those perils and hazards specifically listed in the policy. So make sure the risk you need covered is listed. Some plans offer “cancel for any reason” as an augmentation to the trip cancellation coverage however, unless you have a special need that isn’t covered by the basic trip cancellation perils than you should avoid this option.

Resolution 4: Read and understand the plan before you buy it. Ask a knowledgeable source If you have a question. Best place to ask is with a travel insurance professional at a comparison web site.

Resolution 5: Be aware of plans that seem too good to be true – because they probably are. Plans are priced according to insurance company experience and expenses. When you see a plan that is priced substantially less than other plans and it appears to have the same coverage than something is probably wrong.

Resolution 6: Be aware of “opt-out” travel insurance offerings through airlines, tour operators, cruise lines, or travel agents when buying any type of travel that contains airfare.

Get a quote now

Get a free travel insurance quote right now, or give me a call at (516) 484-5200 to learn more. You can also email us at info@ccpinsurance.com.

The post Travel Insurance Resolutions for 2015 appeared first on Curran Cooney Penny Agency.

Imagine being stuck in an airport while your luggage has been stolen or items are missing. Who would cover the costs to replace your items? This is why you need travel insurance. This insurance offers a variety of loss coverage including luggage theft, trip cancellation, travel delays, medical expenses, and more. Unfortunately, these travelling incidents are more common than most would think so having this coverage just in case, is never a bad idea.

Travel insurance is very afforable and inexpensive. For an afforable price, there’s really no reason for you to travel without it. Whether near or far, planning your next trip can be a breeze and worry free if you call us now for a travel insurance quote 516-484-5200.

The post Travel without worry! appeared first on Curran Cooney Penny Agency.

What is travel insurance?

Travel insurance coverage can be as narrow or as broad as you need it to be. The most popular kind, package plans, can provide coverage for trip cancellation or interruption, travel delays, baggage loss or delay, emergency evacuation, and medical expenses. Travel insurance premiums are based on your age and the cost & length of your trip. (Get a free travel insurance quote now)

Not all health insurance plans automatically cover you for medical expenses incurred while traveling abroad, so you should check with your health insurance provider to find out if you need separate travel medical insurance.

Why should you have travel insurance?

1. Travel insurance is cheap

   A comprehensive travel insurance policy typically accounts for as little as 5% of a vacation’s cost, providing thousands of dollars worth of protection for the equivalent of a restaurant meal. Protecting a single trip isn’t as expensive as you thought it would be.

2. Vacation costs are an investment

   You protect your home, your car, and your health with insurance. The cost of your vacation is just as much of an investment—in your rest and relaxation. The average American spends $2,700 on a vacation trip, a considerable sum that is worth protecting from unexpected events.

3. Travel insurance comes in handy

   A survey by the US Travel Insurance Association found that 17% of travelers who purchase insurance file a claim, more than double the rate of policyholders who file a claim on their homeowner’s insurance. Travel insurance provides affordable protection when you need it most.

4. Plan without worry

   If you’re planning a trip far in advance, spending a significant sum, or dealing with complicated vacation plans, travel insurance gives you the flexibility to make worry-free arrangements. Recoup nonrefundable costs, don’t sweat when a problem crops up, and enjoy your vacation the way you were meant to—all you need is travel insurance.

Get a quote now

Get a free travel insurance quote right now, or give me a call at (516) 484-5200 to learn more. You can also email us at info@ccpinsurance.com.

The post 4 Reasons you need Travel Insurance for your next trip appeared first on Curran Cooney Penny Agency.