When most people think of trip insurance, they are thinking of a package plan, which combines a lot of coverage into a single, comprehensive plan suitable for most travelers. This is the most common type of travel insurance plan.
|Contents (click to jump down)|
What makes a travel insurance Package Plan unique?
Why would you need a Package Plan?
What coverage is included in a Package Plan?
Who should buy a travel insurance Package Plan?
How much does a travel insurance Package Plan cost?
Where should you buy your Package Plan?
Which companies offer travel insurance Package Plans?
As opposed to a travel medical or medical evacuation plan, which covers only a certain set of travel risks, travel insurance package plans are the most common type of travel insurance purchased, and for a good reason: they are comprehensive travel protections combined into a single, easy-to-understand package.
Trip insurance companies combine a comprehensive set of coverages for each package plan for targeted traveler types. For example, you can find travel insurance plans for golf trips, that includes cancellation, interruption, medical and evacuation and provides coverage for your checked sports equipment as well.
Because you can choose a package plan with the coverages you need, you won’t be paying for coverage that’s not useful to you. Optional coverages ensure that travelers with special needs like pre-existing medical conditions or plans for adventure activities have coverage ‒ even for things that are typically excluded from coverage.
It’s important to note that there are package plans for just about any kind of trip, from a family vacation, to a honeymoon, to a missionary trip, and more. The great thing about package plans is that they are designed specifically to cover the common types of trips people take. You can even get a package plan for multiple trips.
The following coverage is typically found in a Package Plan travel insurance plan.
Some package plans also provide coverage for:
Travelers like these should purchase travel insurance package plan:
The cost of a package plan ranges depending on whether it’s a budget plan, a standard plan, or a premium plan and the options that are added. A general rule of thumb is that a package plan will cost between 5 and 7% of the total trip cost depending on the plan.
The following factors affect the cost of a package plan:
Travelers must take many factors into account when deciding which package plan to choose, but remember that you get what you pay for. Many travelers have purchased a cheap travel insurance plan only to find out later it doesn’t have coverage for their particular situation when they make a claim.
You have two options for buying travel insurance – the best option is to compare plans from all companies, get quotes, and purchase your travel insurance plan online:
All travel insurance companies include a free look period with a refund that lets you review the plan documentation. If you decide you need something a little different, you can make changes to your policy or cancel it for a refund (minus a small fee).
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