7. With numerous other worldwide natural disasters, terrorists are in the picture now, and just everyday situations that can and do happen can really mess up your vacation plans.  Be prepared, travel insurance is for travel and medical assistance and supplemental to your personal health and travel insurances.

Well...the above scenarios may make sense to the person thinking about insurance, and the odds are that you won't have any problems on your trip to another country including travel to Canada or Mexico from the US.  You're still thinking in the back of you mind that you really don't need travel insurance.  What are the odds after all - pretty big odds that nothing will occur while your on a trip?  Anyway, you have flight insurance! 

Well...that's where you'd better read the fine print and start asking some questions.  Because you are not covered for 'everything' with every travel insurance policy!  After all, the travel insurance coverage that will or will not cover you, to take care of any type emergency that could arise while on your trip - is for you! 
So check it out!  read on....
 
More reasons why You Should Buy Travel Insurance . . .
There are hundreds of circumstances that could cause clients to cancel their trip, return home early or force you to seek emergency medical treatment while traveling. To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong for your clients:

1. It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?

2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?

3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?

4. You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?

5. If a family becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?

6. You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?

7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your cruise or tour or back home?

8. You've lost your job, and cannot travel now, what to do?

9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit.  Who will pay if you want to cancel your trip? 

10. You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane.  Can you cancel the remainder of your trip, and who will help you evacuate and who will reimburse your lost vacation investment?  Certain restrictions apply.

What's needed, what isn't needed travel insurance basics
Your personal medical Insurance overall does not cover you when you leave your country of residence.  There are exceptions, but this is the first rule to follow, and that is contact your medical insurance broker and find out exactly what is and is not covered when your travel to another country.  To further elaborate - it's also important to tell your medical insurance broker exactly what countries that you'll be visiting.  Therefore, this is an important question to ask your regular medical insurance person first, and then the travel agent how your covered before you buy travel insurance.  Find out exactly what is and what isn't covered, and go from there to augment what you do need in the way of travel insurance.

Particular types of coverage that are needed while traveling to another country
These are important questions to ask the travel insurance company, they are needed in your coverage:

 1. The number one question -- trip cancellation insurance.  This can be costly to you if you don't have it.  If you've scheduled a trip or tour abroad, get this immediately.  If you're unable to go for any legitimate reason, you won't lose your trip transportation and accommodation costs, and this coverage is included in specific plans - not all plans.  Check the details on this coverage!

 2. The second most basic question is flight insurance - terms are fairly standard in the industry, but did you know that the million dollar flight policy that you bought, most likely will not pay your benefactor a million dollars if something happened to your flight?

 3. Does this travel insurance cover DVT [deep-vein thrombosis] in layman's terms it's known as 'class coach syndrome' or deep-vein thrombosis?  This syndrome occurs on long overseas flights; it is very important information to know if you're covered?  Normally this is an irritating and uncomfortable situation, but on rare occasions - it can be fatal.  Exercise while flying will help, but, you can prevent this from happening - if you're aware of the condition and what to do to prevent it.

 4. Does your travel insurance cover a sudden re-occurring conditions?  Or pre-existing conditions.

 5. Does the policy cover emergency vehicle transportation, ambulances, air transport back to the US?  This is most important if you had a heart attack, a serious accident and or a death abroad.

 6. Does the insurance cover emergency services?  If I twist an ankle or break an arm or leg will this be covered? What do I do, and how do I contact the insurance company from abroad?

 7. Does this cover doctors, dentists and hospitals in the country that you are visiting?

 8. If I'm in a serious accident, and need long term hospitalization, will I be covered to be sent home?

 9. Does my insurance cover special transportation back home in critical situations?

10. Repatriation - if a illness or injury results in death, will it pay for expenses for Repatriation of bodily remains or ashes to the country of citizenship?

These are all important questions that you should know the answer to before leaving home, and have all the information at hand at all times while traveling.  Our Insurance partner covers all these issues and it will bring peace of mind to you that all will be taken care of while abroad in case of an emergency.

Experienced travelers understand the need to have travel insurance, because things do happen and you want to be covered when
traveling abroad, you don't speak the language, you don't know how to contact someone for help, it's simple basics, you need help.

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Passports and Visa Services
  If You Need One of the Following US Passport Services, then VISIT your Local Post Office!

                       An Expedited Passport - New Passport - Renewed Passport - Visa - Get Info On This Page
Every man woman and child [includes infants] traveling in and out of the United States must have a passport, excluding Mexico and Canada. However, you'll still need a certified birth certificate and possibly another ID such as a drivers license to enter either country, and return to the United States. You can now go directly to your local US Post Office to get your passport, where it will be more secure than using 'Passport Services' and your private info going to them and who knows where from there!  Not all post offices offer this service, so call first to your local post office to check with them before making the trip there, and find out from there where your nearest Passport Service Post Office is!

        What is required for an United States Passport Application & Emergency Info - Read BELOW to find out
 

1. A Certified Copy of your Birth Certificate from the state of your birth, with the state seal on it, see the requirements and how to obtain your certificates quickly.    2. Name Change - due to marriage - or divorce, you'll need certified copies of both your birth and marriage / divorce certificate/decree.  Other reasons for name change, you'll need other back-up identification such as a driver's license or other identifying documents that will show proof of your name prior to the name change. 3. Two identical photos are required - please see passport photo requirements.  4. Stolen Passports - click for the US State Departments information on what to do. 5. Secure Passports - Documents - How to secure your passport and documents, as this is the  most important thing to do while traveling abroad or into another country. We offer Secure Passport Holders - just click How to Safeguard your passport and other important papers, jewelry, travelers checks and cash. 6. All Passport or Visa Requirement Information - all about all passport services, for a new passport service, all children [including babies traveling abroad, crossing country borders are required to have a passport now].  Do you have an expired passports? Most importantly...what to do if your passport is stolen or lost.

             
       Type of Passport or Visa Service Required - VIEW ALLTRAVEL.STATE.GOV PASSPORT INFORMATION