TRAVEL INSURANCE
What is travel protection? Travel protection is a combination of travel insurance and 24-hour emergency assistance services designed to give you peace of mind when you travel. Whether you are traveling in the U.S. or abroad, you can have peace of mind knowing that you have travel protection through any one of our insurance providers. A variety of products to meet all types of travel needs.
You may ask, "why do I need travel protection?', You need travel protection because it lets you travel with a strong sense of security. Travel protection insures your financial investment (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason, and it guards your health in case of medical emergencies. Job loss protection? We're glad you asked. JOB LOSS PROTECTION INCLUDED: With the uncertain economy, if you have concerns about your job and future events. Acess America offers “Job Loss Protection Coverage”. This means that you travel plans are protected against sudden loss of income.
When is the best time to purchase travel protection in order to be covered? You can buy travel protection up until the day before you leave on your trip. If you want coverage for pre-existing conditions, and/or supplier default, make sure you buy travel protection within 7 or 14 days, depending on the program you purchase, of paying your initial deposit for the trip (and for the pre-existing conditions waiver, if your trip costs less than $10,000 per person).
Won't my credit card, homeowner's policy, or medical insurance give me the coverage I need when I'm traveling? Not necessarily. You should check these policies before you travel to assess just how you would be covered in case you have an emergency.
Credit cards and homeowner's policies. Many credit cards and homeowner's policies don't cover everything you need to protect, including some types of emergencies and trip cancellation/interruption. If they do provide coverage, it's often limited, depending on the type of card you use or the coverage you have with your homeowner's policy.
Health insurance. Most health insurance plans don't provide direct payment to foreign hospitals. They may also have deductibles and won't cover the cost of emergency medical transportation.
