[Nfbf-l] Reasons to purchase Travel Insurance

[REPCODDS at aol.com]

For those of you who may have questions about travel insurance and why you  
should have it.
Below is an example  and explanation from Cheryl and Nelson .
Happy New Year 
Dwight
 
 

 
I  keep mentioning travel insurance, many of you are thinking I do not need 
it,  but d0 you know what it covers  


We are not  talking tons of money for it either, it goes by for individual 
travel  insurance, state where you like, age, total amount of trip cost.


With the  group insurance it goes by the total amount that was spent total 
on the  cruise, plus age bracket.


Example: our  cruise to the NFB of FL cruise.


For myself  and my husband, we have to get airline, possibly hotel, and our 
cruise fare,  which is a total estimating at $2200 for the 2 of us or $1100 
per person, and  because I am 45 I will be approximately $53 for my travel 
insurance because  Nelson will be 63 at the time he will be paying $79, so a 
total for the 2 of  us for travel insurance will be $132, to protect a 
$2200 investment plus other  things see below. It will probably be less for 
others that not traveling from  NY, the price is based on age and total amount 
of trip cost.



Coverage Benefit Amount
Trip Cancellation  
..........................................................................100%  of insured Trip Cost
Trip Interruption  
..........................................................................150%  of insured Trip Cost*
Trip Interruption- Return Air  
Only..................................................................................  $750*
Trip Delay ($150 max/day)  
....................................................................................................$750
Missed  
Connection...............................................................................................................$250
Baggage & Personal Effects Loss (Secondary)  
...............................................................$1,500
Baggage  
Delay.......................................................................................................................$250
Medical Expense  
(Secondary)........................................................................................$25,000
(FYI, if you get sick and need to see the medical officer on board, you  
must pay first and this can be on your credit card with the cruise line, you  
will get a receipt, and then put in a claim with your insurance company, if  
they do not pay, in my case Medicare did, when I got sick the 1st time I  
cruised, they paid the 80 percent, I sent the 20 percent to Travel Guard and  
they covered it.


Dental......................................................................
..........................................................$500
If you fall and break a tooth or some other dental related issue on the  
cruise trip, you must have the medic on the ship document it.


Emergency Evacuation & Repatriation of  
Remains................................................$250,000
Accidental Death and Dismemberment  
.....................................................................$25,000
*Coverage for Trip Interruption and Trip Interruption-Return Air Only  
cannot be combined
The following non-insurance services are provided by Travel Guard.
• Travel Medical Assistance • Worldwide Travel Assistance • LiveTravel®  
Emergency Assistance


Explanation of each one:



Trip Cancellation & Interruption (must have proof of reason  though)


The Insurer will pay a benefit, up to the Maximum Limit shown on the  
Schedule, if an
Insured cancels his/her Trip or is unable to continue on his/her Trip due  
to the following
Unforeseen events:
• Sickness, Injury or death of an Insured, Family Member, Traveling  
Companion, or
Business Partner.
• Sickness Injury or death or hospitalization of the Insured's Host at  
Destination. A
Physician must certify the Injury or Sickness.
• Financial Default of an airline, cruise line, or tour operator provided  
the Financial
Default occurs more than 14 days following an Insured's effective date  for 
the Trip
Cancellation or Trip Interruption Benefits. There is no coverage for the  
Financial
Default of any person, organization, agency, or firm from whom the  Insured
purchased travel arrangements supplied by others;
• Inclement Weather causing delay or cancellation of travel;
• Strike resulting in complete cessation of travel services at the point  
of departure
or Destination;
• the Insured’s Primary Residence or Destination being made Uninhabitable  
by
Natural Disaster, vandalism, or burglary;
• the Insured, or a Traveling Companion being subpoenaed, required to  
serve on a
jury, hijacked, or quarantined;
• the Insured or Traveling Companion being called into active military  
service or
having leave revoked or being reassigned;




 





Disabled  Entrepreneur of the Year 2012 of NY State


Leading the Way in Independent Travel!


SNG Certified - Accessible Travel Advocate!


Cheryl Echevarria,  Owner
http://www.echevarriatravel.com
631-456-5394
reservations at echevarriatravel.com
http://www.echevarriatravel.wordpress.com


2012 Norwegian  Cruise Line University Advisory Board Member.


Affiliated as an  independent contractor with Montrose Travel
CST -  #1018299-10
Echevarria Travel and  proud member of the National Federation of the Blind 
will be holding a year  round fundraiser for the http://www.NFBNY.org after 
Hurricane Sandy and other  resources. Any vacation package booked between 
November 6 2012-November 6,  2013 and vacation must be traveled no later than 
12/30/2014 a percentage of my  earnings will go to the affiliate.  Also is 
you book a Sandals for  couples or Beaches for families and friends resorts 
vacation, $100.00 per  booking will go to the affiliate as well.  You do not 
need to be a member  of the NFB.org, just book through us.





=