Aero Jet Medical Air Ambulance Authority wishes everyone a safe and happy summer vacation. Whether you travel for fun or for vacation, domestically or internationally, for a weekend or a month, you should always consider buying travel insurance. Most people consider this only when planning a big vacation, like a cruise vacation or an overseas trip. The fact is that travel insurance can be a life saver, both figuratively and literally, on every trip that you take.
Travel insurance policies vary by vendor, and there is no one best policy for everyone. The most common things covered are trip cancellation, trip interruption, lost or stolen baggage, medical expenses, and medical evacuation. The average cost for a policy is around 10% of your total vacation package, and the average maximum length of coverage is about 30 days.
As with any insurance that you will ever buy, travel insurance is something that you pay for but may never use. Why take on this expense if you are just going to the coast for the week, or for a ski vacation over Spring break? Consider these possibilities: while on your way to the airport someone crashes into your car and causes you to miss your flight; your luggage goes to Portland, Oregon when it was supposed to go to Portland, Maine; you step off of the airplane to start your Roman holiday and get knocked to the ground by another traveler and break a hip; the day before the flight home from visiting family for Thanksgiving you suffer a serious illness; During the middle of your cruise you receive word of a family emergency back home.
Without travel insurance, you may be facing costly cancellation fees, loss of deposits, no partial or full refunds, or thousands of dollars in medical expenses. This would not be the time to discover that your private medical insurance doesn’t cover you while abroad, or that your credit card is maxed out. Travel insurance can help you to make the next flight out, buy clothing, secure a hotel room, receive full or partial refunds, and, most importantly, get you home. If you consider that the cost of a medical aircraft to fly you across the United States can start at about $50,000, and in many cases will not be covered by health insurance (and almost never covered by Medicare), the price of a travel insurance policy is a good investment. And if you need medical air transportation, chances are that you also need hospitalization coverage, and hotel coverage for the family members traveling with you, making the investment all the more reasonable.
There are many vendors that sell travel insurance over the internet, and in many cases, when you book a trip or airfare online you will be given an option to purchase insurance. Some credit card companies provide coverage if you use the card to buy your trip. Whichever way you choose, you should read the policy careful to make sure that it covers everything that you need, especially air ambulance coverage. Once you have armed yourself with the proper information and compare travel insurance policies, you can make a choice and get the level of security you desire. Take the time to find the right policy and you will get the best travel insurance for your money. Knowing that you are covered is the first step to a great vacation.