Travel Insurance
The decision to purchase travel insurance is an important one to make as you plan your trip. It can help protect against losing any non-refundable investments, help if an emergency occurs while you’re on your trip, and even help with lost luggage and flight delays.
We recommend travel insurance through Travel Insured. They provide you with high quality travel insurance at extremely competitive rates. Please note that while we are providing this link to our preferred partner, Freestate Travel LLC is not licensed to sell insurance directly. Any information, questions, claims, etc., should be directed to Travel Insured and not Freestate Travel LLC.
Why should I buy travel insurance?
There are several reasons why you may want to consider purchasing travel insurance. Here are some questions for you to consider when deciding if travel insurance is right for you:
- Can you afford to miss your trip and lose your vacation investment (if something goes wrong due to illness, weather, or other unforeseen circumstances)?
- Can you afford to cover the cost of returning home if you are forced to end your trip abruptly?
- Does your medical insurance cover you whenever and wherever you travel?
- Would you know what to do in an emergency situation while overseas?
- If your existing medical insurance provides coverage while you are on your trip, can you afford to pay high deductibles or copayments imposed when you are outside the standard service area?
- If your bags are lost, or if you have to spend an extra night because of weather-related problems, can you afford to buy replacement necessities and pay for extra lodging?
My daughter is too sick to travel.
Trip cancellation/interruption coverage allows you to cancel or interrupt your trip for a covered sickness or injury, and you may be reimbursed for non-refundable expenses related to your trip. Pre-existing exclusions may be waived for certain plans if requirements are met.
We were traveling when I suddenly developed chest pains.
When you’re traveling far from home, and possibly even far away from proper medical facilities, you want to ensure you can receive medical care and transportation in an emergency. Travel insurance includes coverage for transportation to the nearest facility or back home.
I arrived at my destination but my luggage didn’t.
Whether your bag is lost, or delayed more than the number of hours listed in your policy, you can be reimbursed for the purchase of clothing and personal articles so you can enjoy your vacation.
We missed our connection because of a flight delay.
Inclement weather and mechanical difficulties may delay arrivals into a connecting city past the departure of the next flight. If your travel delay is more than the number of hours listed in your policy, you may be reimbursed for additional accommodations, meals and local transportation.
I’m on my trip, there’s civil unrest and the U.S. government orders all U.S. citizens to leave.
Select policies have coverage for political or security evacuation. This may include needing to leave your destination due to a covered Natural Disaster, the order by the U.S. State Department, or if you are expelled or declared persona non-grata by a country you are visiting on your trip. All evacuation arrangements must be made by the designated assistance provider listed in your policy.
My employer approved my vacation time and is now requiring me to work.
Select policies may allow you to recover your non-refundable trip deposits if your vacation time is revoked, if your job is transferred more than 100 miles from your current residence, or if you are required to work during your scheduled trip.