Yacht Charter Travel Insurance
We believe that your upcoming trip is a significant investment which you should protect by purchasing travel insurance. We have researched many travel insurance options, and we recommend “Protect Assist Gold” from Travel Guard International which offers a variety of benefits. This plan provides insurance if you have to cancel your vacation for medical reasons, death in the family, and a variety of unforeseen circumstances such as severe weather, strikes, etc. It also now includes a Cancel for Work Reasons (including job loss) in the base plan and primary medical and EMT coverages. Children 17 and under are also covered at no additional cost!
You can purchase travel insurance any time prior to your departure, but there are significant benefits to purchasing it within 15 days of your initial trip deposit including coverage for pre-existing medical conditions and financial default.
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Frequently Asked Questions About Travel Insurance
These questions/answers are provided courtesy of Travel Guard.
Why should a traveler buy travel insurance?
Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.
What happens if a traveler must cancel their vacation?
Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan through Travel Guard can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.
How does trip cancellation and interruption coverage work?
It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.
What other coverage is typically included in an Travel Guard travel insurance plan?
In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.
How much does travel insurance cost?
The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost. If you have children under 17 in your party, they are covered for free which can bring the cost down to 2-3% of the trip cost.
Is the financial default of an airline, cruise line or tour operator covered?
Many of Travel Guard's retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.
What else is offered with the purchase of an Travel Guard plan?
To boost travelers' confidence when traveling, Travel Guard has added LiveTravel® assistance, which provides 24-hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. Travel Guard has also added assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates.
Ocean Getaways is not an insurance agent and provides this information as a courtesy to our clients.