Planning for a road trip can be challenging, especially in choosing suitable dates and spending most of your time making bookings. In the end, you finalize your plans, you might be excited, but you should not relax until you get travel insurance for your road trip. Insurance is critical because road trips are ideal for numerous adventures and exhilarating memories.
However, you might experience a car breakdown, an unfortunate accident, and other unexpected situations. Below are the reasons why you need travel insurance and the coverage provided.
Vehicle breakdown
Even if you are traveling by bike or rental car, you need to conduct comprehensive research regarding your auto insurance. In particular, you need to know the exclusions, the covered aspects, and what cannot be covered or you are looking for Commercial Auto Insurance. Also, ensure the insurance covers the car. In such a case, the policy will assure you 24-hour roadside assistance, including towing, battery jumpstart, and over-the-phone assistance if your car breaks down. Most importantly, you need to search for travel insurance that will offer you the level of coverage that you need and deserve.
Trip cancellations
Trip interruption or cancelation coverage can reimburse you for the loss suffered from prepaid non-refundable costs if you are forced to halt or cancel your trip for covered reasons. One of the reasons that can contribute to trip delays includes traffic jams or road diversions. Not only that, if you consider an example of where you live in Florida, and you wish to attend an important event in a foreign country.
In such a case, you decide to reserve a hotel, buy an air ticket, but a tornado damages your home before you even travel. If that is done, travel insurance can assist in protecting your prepaid trip expense, provided the natural disaster made your home uninhabitable. Therefore, you will be entitled to receive reimbursement for the reservation and ticket fees so that you can concentrate on rebuilding your home.
The coverage period
Most travel insurance policies offer coverage from the first day to check-in at a hotel. However, on a road trip, you need to consult your insurance firm and buy a policy that caters to your needs from when you leave the driveway. Remember, a road trip will take an extended time, meaning you should be covered throughout the period. For instance, if you do not own a car and you decide to hire car sharing Miami services, getting a company that includes travel insurance in their packages will ensure protection until you return the car.
Medical emergencies
Before you travel, you need to confirm if your medical insurance caters to emergencies that could happen outside of your state. In particular, a road trip can expose you to the risk of varied kinds of medical emergencies starting from road accidents to food poisoning. Although your medical insurance does not offer out-of-state coverage, most travel insurance policies cover medical emergencies. However, the reimbursement from travel insurance can be limited compared to normal medical insurance, but it can offer the coverage you need. For instance, if your road trip included a backpacking adventure in a remote area and you break your ankle, you need an emergency evacuation. Further, medical insurance can cover the evacuation.
Luggage
Consider your famous destination road trip that forces you to fly from the departure point before you start driving. In such a case, you might forget or lose your luggage. Fortunately, travel insurance can cater to the damage suffered to your luggage.
Although the policy offers full security for a traveler, some situations are excluded from the cover. The excluded situations include:
- Mental illness
- HIV/AIDS
- Accident while driving under the influence of harmful substances or drugs
- Damages caused while you engage in risky adventure sports
- An attempt of suicide and acts of terrorism
A road trip is one of the most memorable experiences you can plan during your vacation. Therefore, you need to use the opportunity to bond with other travelers, concentrate on having fun during the road trip without worrying about insurance issues.
