This coverage provides assistance when roadside travel emergencies like flat tires or breakdowns occur. This coverage consists of non insurance services included with some package travel insurance plans.
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What does Roadside Assistance cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Anne, a high school English teacher, was traveling with six of her students who were to compete in an interscholastic writing and spelling competition. The school administration sponsored a rental vehicle, hotel rooms along the way, and insisted she purchase travel insurance protection with roadside assistance just in case.
On a long stretch of highway in Utah, the van she was driving began to smoke, so Anne pulled over and lifted the hood. Not knowing what to look for or what to do, she called the travel insurance assistance hot-line and was connected with roadside assistance. Luckily, a tow truck was only a half-hour away and the repairman was able to refill the supply of coolant and get them on their way again.
While worldwide travel assistance is the primary 24-hour travel assistance service provided by travel insurance companies, some plans offer roadside assistance services as well. Roadside assistance services are non insurance services included with some travel insurance plans. These services typically include::
Roadside assistance services are non insurance services included with some travel insurance plans, but the actual services are provided by third-party companies. For example, while you may have your insurance with Travel Guard, Travel Guard will likely subcontract the roadside assistance services to local companies who are in a position to help their customers in various locations. This means that you may initially be contacting your travel insurance provider to inform them of the need for roadside assistance, but after that you will likely be working with a third-party company.
You will only find this type of coverage in package travel plans. In some plans, this coverage is included as part of the worldwide assistance services, and in some plans it is an optional upgrade.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.