Once all the planning and preparation for your trip to Puerto Rico is behind you, of course you are ready to enjoy your trip. However, you may want to consider buying travel insurance for your trip to Puerto Rico. Most travelers don’t give travel insurance a second thought, much less how to buy the right travel insurance for you and your family.
Evaluate Your Trip
Travelers visit Puerto Rico for many reasons:
• Business trip
• Family vacation
• Romantic getaway
• Girlfriend getaway
• Real estate ventures
Take a few minutes to evaluate your reason for taking a trip to Puerto Rico and see why travel insurance is right for you. If you are traveling with your family and need medical coverage, your medical insurance may not cover medical visits or, worse yet, medical emergencies.
If you are traveling because of business, what if something happens to your laptop? Is your employer going to cover the cost of replacing it or do you have to go through insurance? What about last-minute, unexpected trip cancellations? Chances are your homeowners and health insurance won’t cover your emergency situations. There are plenty of reasons to obtain travelers insurance and plenty of benefits to go along with them.
Once you understand how travel insurance can come in handy in so many scenarios, you can begin to get the right insurance for your needs.
Do a Compare and Contrast
There are plenty of companies that offer travel insurance that will suit your needs best. Of course, if you are using a travel agent or taking a cruise, offers to purchase travel insurance will be made to you. Do your homework and do a compare and contrast of several different insurance packages.
While some may be cheaper than others, you might also get a considerable amount less coverage. Look for a plan with higher insurance coverage. You don’t necessarily need to take out more than is reasonable, but a good and fair amount is a company that is willing to provide $1,000,000.00 in coverage. Of course, you can purchase more and the policy will cost you more as well. Again, it’s all according to your needs as an individual or as a family.
You are purchasing the insurance for a reason – to protect yourself- and you don’t want to skimp when doing so.
Check the Fine Print
Once you have a list of companies you are interested in purchasing your travel insurance from, check the fine print on the policies. Make certain that your definition of an emergency and the company’s definition are the same.
What if you need an air-lift because you were injured while hiking through the El Yunque Rain Forest? Is that covered as part of your emergency care?
Ask Pertinent Questions
• Is there coverage offered to fly you home in case of an emergency?
• Is dental covered?
• Does the insurance company help you and assist you in finding care?
• Are there specific exclusions and what are they?
• Do you offer coverage for electronics and what are the limitations?
• Are those electronics covered only for damage or is theft included in the policy as well?
• Are hotel bookings and other travel expenses covered over and above the cost of the flight?
• How many days before are you allowed to cancel a trip due to an emergency?
• Will you get assistance with needing emergency cash?
Check out Customer Service
A company is only as good as the customer service and support they provide. Are they friendly and helpful and more importantly, do they offer 24 hour, seven day a week services?
Consider going to an insurance broker rather than a travel agent or cruise line. If those companies become defunct what happens to your coverage while traveling?
While you may have never given travel insurance a second thought, these are all top ways to find the best coverage for you and your family for your trip to Puerto Rico.
