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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Bank of America® Customized Cash Rewards credit card

Earn 3% cash back when you choose online shopping plus earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

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Jeff Simpson (Simpson Group)

Profile information.

Title: President

Organization: Simpson Group

Website: www.simpson-group.com

Bio: Specializing in Travel & Health Insurance since 1993. MGA for many of the best Canadian & International Insurers. We support a large network of brokers, agents and consultants in the areas of Travel, Health and Special Risk Insurance.

Business Categories: Insurance Distributors

Contact Information

E-mail: [email protected]

Vcard: import to my address book

JD Vance's 'cat ladies' remark reveals more about him and his opinion of Donald Trump

Editor's note: The letters to the editor below reflect the opinions of individual readers of The Tennessean. Scroll to the bottom to see how you can contribute a letter of your own.

Who is JD Vance really trying to insult?

JD Vance’s anathema to “childless cat ladies” is not limited to cat lovers. Vance claims: “We’ve allowed ourselves to be dominated by childless sociopaths - they’re invested in NOTHING because they’re not invested in this country’s children.”

My initial thought was that Vance was only offering praise to Donald Trump since Trump has fathered five children with three different wives. Choosing to call them “sociopaths,” however, was confusing and somewhat weird. I googled the term “sociopathy” to understand what Vance meant.

Sociopathy is defined as an “antisocial personality disorder” in which a person consistently shows no regard for right and wrong and ignores the feelings of others.

The Mayo Clinic identifies the following symptoms:

• Ignoring right and wrong
• Telling lies to take advantage of others
• Not being sensitive to or respectful of others
• Using charm or wit to manipulate others for personal gain or pleasure
• Having a sense of superiority and being extremely opinionated
• Having problems with the law including criminal behavior
• Feeling no guilt about harming others.

Wow, the only thing missing from Google was the mugshot of Trump from the Georgia jail. I guess Vance was praising Trump after all.

Chris Simpson, Franklin 37064

JD Vance should watch this cat movie. Maybe then he'll learn cat ladies are people too.

Don't get distracted by rebuff; it's far worse than that

Why does JD Vance assume that all childless married women have cats? Surely, in this United States, there are at least a few childless married dog ladies or parrot ladies, maybe even a gerbil lady or two. Oh, I forgot. He’s anti-DEI (diversity, equality, inclusion).

One thing is for certain, though. He doesn’t approve of childless married women, no matter what pets they have or don’t have.

He also doesn’t approve of women divorcing physically abusive men. He believes they should have to stay in the marriage for the good of the children. What’s a few black eyes or a broken arm or two along the way? He also doesn’t believe in abortions for anyone pregnant from rape or incest, no matter how young.

According to him, the pregnancy is merely an inconvenience. 

He also disparages the work ethic of the working class. In his book “Hillbilly Elegy,” he describes the men and women of this class as shiftless, undependable, and not too work brickle. He also decries their sexual morality. It’s all their out-of-wedlock babies, you see.

Do you really want this man a heartbeat away from the presidency?

Lynda Hamblen, Union City 38261

Agree or disagree? Or have a view on another topic entirely? Send a letter of 250 words or fewer to  [email protected] . Include your full name, city/town, ZIP and contact information for verification. Thanks for adding to the public conversation.

Simpson|McCrady is open for business and ready to assist you.

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• Travel Accident Insurance
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Travel accident or trip coverage can be beneficial for individuals and families who travel globally and are seeking protection and assistance in the event of trip delays, trip cancellations, or medical emergencies while traveling.

There are a handful of insurance carriers offering this type of policy to individual travelers and their families. Policies can be purchased on a one-off basis for individual trips or annually for all travel occurring during a policy year. On the personal lines side, it is possible to purchase a standalone policy from a carrier who does not write any other policies for the client.

The policies can cover costs associated with trip delays as well as reimbursing money lost if a trip is unexpectedly cancelled. In addition, these policies can sometimes cover the cost of medical emergencies including medical evacuation. We recommend these to clients who are traveling internationally in remote areas where hospitals are not available or are not sufficient to treat serious injuries. We have seen situations where the insurance carrier will pay for the cost of flying the affected individual to another country or back home in order to receive proper medical care.

Individual one-off policies are rated on the cost of the trip, number of travels, and sometimes on the number of flights / legs of the trip. Annual policies usually have a set rate based on the varying levels of coverage included within the policy.

Companies and organizations sometimes purchase international coverage on a commercial policy which can include travel accident coverage as part of a larger package.

If an organization has employees who travel internationally for work purposes, especially in riskier areas of the globe, it is a good idea to consider including this within the overall insurance program. It can help provide extended workers compensation coverage for injuries sustained by employees while abroad. It can also step in to pay medical evacuation expenses and kidnap and ransom expenses.

Commercial international or travel accident coverage is typically a set premium for all travel taken during the year. It is less common to see one-off travel or accident policies on the commercial side.

Have any questions or want to discuss travel accident coverage in more detail? Let’s chat!

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The World's Best

Travel protection, wander the world without worry.

Accident or injury. Unexpected medical expenses. Unplanned incidents are rare but can crop up when you travel. That’s why Simpson Group Insurance Services Inc. wants you to have the most robust travel advisory and protection for your trip.

Accident or injury. A positive COVID-19 test. Unexpected medical expenses. Unplanned incidents are rare but can crop up when you travel. That’s why Simpson Group Insurance Services Inc. wants you to have the most robust travel advisory and protection for your trip.

What are you here for?

Global rescue + signature travel insurance sm.

Travel insurance and a Global Rescue membership are not the same thing. Travel insurance is designed to provide financial reimbursement for trip interruption and medical insurance coverage, while our membership provides emergency field rescue, medical evacuation and transport, and medical advisory services at no additional cost.

But a Global Rescue membership and travel insurance do go hand in hand. When you purchase both, you can be confident knowing you’re traveling with the ultimate safety net: emergency field rescue from the point of illness or injury, evacuation services, travel advisory and financial protection.

Key Membership and Insurance Benefits

GLOBAL RESCUE MEMBERSHIP

SIGNATURE TRAVEL INSURANCE SM

Purchase Global Rescue and Travel Insurance Together

After selecting your Global Rescue plan, follow the prompts to add on a travel protection plan in the “Additions” step

PURCHASE TOGETHER

GLOBAL RESCUE TRAVEL MEMBERSHIP

When a travel emergency arises, traditional travel insurance may not come to your aid, and a medical evacuation can cost up to $300,000.

The cost when you have a Global Rescue membership? $0. That’s why when the unexpected happens, you want the leader in rescue, evacuation and medical advisory behind you. You want Global Rescue.

Get a price estimate

Please answer all questions for estimate.

FIND THE RIGHT POLICY FOR YOU

Travel insurance provides coverage against a variety of unforeseen expenses while you’re traveling, giving you the added comfort of knowing the value of your trip is protected in case you need it.

Global Rescue works with leading insurance providers to connect you to a travel insurance policy – including optional Cancel for Any Reason benefits, lost or damaged luggage, medical bills and more – based on your home location.

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FREQUENTLY ASKED QUESTIONS

Does global rescue have any restrictions.

Global Rescue offers one of the most comprehensive travel protection memberships on the market.

Membership benefits are not restricted by any activity, country of residence, or mileage-from-home limits. Our services go with you anywhere you travel except U.S. State Department war zones and Polar Region travel above the 80th Parallel North or below the 60th Parallel South.

For those adventuring to higher altitudes, our High-Altitude Evacuation Package provides medical transport services to members who travel above 15,000 feet or 4,600 meters at any point during their trip (excluding airplane travel) and who require emergency transport due to injury or illness.

What is field rescue, and do I need it?

When you are unable to get help on your own, emergency field rescue is assistance from the point of illness or injury to the nearest medical facility. Anyone venturing into the backcountry should have this critical service. Worldwide field rescue was pioneered by Global Rescue.

How do I contact Global Rescue in an emergency?

No matter your situation – emergency or not – you call just one number and one number only: +1 617-459-4200. This is the number you should program into your cell or satellite phone, but you can also contact us through the messaging feature on the My Global Rescue app.

If I need to be rescued, should I arrange my own evacuation?

No. Please call Global Rescue at the time of an incident and we will provide the necessary services from start to finish (if you are incapacitated, you can have a member of your team contact us). When Global Rescue organizes and/or performs the rescue and the Member Services Agreement criteria are met, there is no cost to the member up to $500,000. If you arrange for your own rescue, we are unable to reimburse members.

Will Global Rescue get me home if I'm hurt or injured?

Global Rescue membership services include medical transport to your home hospital of choice if you’re hospitalized as an in-patient 100+ miles from home and require additional hospital care.

What if my insurance offers medical evacuation services?

With a typical insurance company, you are burdened with arranging your own medical transport and submitting the bill later for reimbursement. As a member of Global Rescue, you simply need to contact our team of medical and security professionals, and, if an evacuation is needed, all transport arrangements and costs would be covered by us (medical up to $500,000, security up to $100,000).

Do Global Rescue's services include COVID-19?

Yes. If members have questions related to COVID-19 or contract the virus while traveling, our services apply. We treat COVID like any other disease.

Is Global Rescue only for emergencies?

No. While Global Rescue provides a wide variety of emergency services, we also provide services for non-emergency situations such as: 24/7/365 medical advisory services, visa and passport issues, translation, legal locators, real-time event alerts and telehealth.

Don’t Leave Without Packing Your Peace of Mind

Our member services are available 24/7 to answer any questions you may have..

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• ©2024 Global Rescue LLC. TotalCare and the TotalCare logo are service marks of Global Rescue LLC. All Rights Reserved. Global Rescue LLC provides technical and administrative services to Elite Medical Group, P.C. (“Elite Medical”), a professional corporation owned by licensed physicians that employs or contracts with physicians licensed to practice medicine where medical services are provided. It is not guaranteed that a prescription will be written, nor will any DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse, as a result of a TotalCare consultation. Elite Medical physicians reserve the right to deny care for potential or actual misuse of services. The Global Rescue Mobile App is designed for operation on the current versions of Android and iOS operating systems. Availability of services is subject to your equipment compatibility, connectivity and signal in your location. There is no guarantee that all features and functionality will be available in your location. Use and availability of the Mobile App is subject to your service provider’s plan and may be subject to additional fees from your provider.

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Travel Insurance Comparison 2024: Top Single Trip and Annual Heymondo Covers Announced by Compare Before Buying

Compare Before Buying, an authoritative source for comparisons and reviews, has published an article that goes into detail about travel insurance options from Heymondo.

Boston - August 5, 2024 —

Compare Before Buying, an authoritative source for comparisons and reviews, has published an article that goes into detail about travel insurance options from Heymondo. The review explores the features of single-trip travel insurance and annual travel insurance, as well as the differences between them.

Heymondo is a dynamic travel insurance provider specializing in flexible and comprehensive insurance solutions. It provides coverage for a wide range of travel-related incidents including medical emergencies, trip cancellations, baggage loss, and more.

Heymondo collaborates with established insurance companies such as AXA, Starr Insurance, and emergency assistance providers, allowing the company to deliver reliable coverage and support.

Single-Trip and Multi-Trip Travel Insurance

Single-trip travel insurance offers coverage for a particular journey. Typically, it offers tailored protection for trips with specific risks and needs, as it allows for the selection of coverage that suits the unique aspects of each individual trip, such as higher coverage limits or special benefits for particular activities.

Meanwhile, annual travel insurance covers all trips within 12 months. This policy offers comprehensive protection without the need to purchase a new policy for each trip. Generally, it is more cost-effective and convenient.

Heymondo Single-Trip and Annual Travel Insurance

Compare Before Buying details Heymondo’s Annual Multi-Trip Travel Insurance , which offers extensive coverage for frequent travelers. The policy includes up to $100,000 in medical expense coverage and up to $2,000 for issues like luggage theft or damage. In serious situations requiring repatriation or early return, the policy covers up to $500,000. In addition, trip cancellation coverage up to $3,000 reimburses non-refundable costs if travel plans change unexpectedly.

Also, Compare Before Buying looks into Heymondo’s single-trip Travel Insurance , which provides comprehensive protection for individual journeys abroad. This policy offers up to $200,000 in medical expense coverage and up to $500,000 for repatriation and medical evacuation. For luggage theft and damage, coverage extends to $3,000, while trip cancellation is covered up to $10,000.

The complete selection of travel insurance options are available at the Heymondo website . A more extensive comparison of single-trip and annual travel insurance is available at the Compare Before Buying website .

About the company: Compare Before Buying provides news and reviews of consumer products and services.

Contact Info: Name: Andy Mathews Email: Send Email Organization: Compare Before Buying Website: https://www.comparebeforebuying.com/

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How is ‘trip insurance’ different from ‘trip protection’? A Danvers couple found out the hard way.

Milda walkley and leo peters canceled their mediterranean trip well in advance, but viking cruises imposed a $3,800 cancellation penalty because they mistakenly filed with viking’s insurer, not viking directly..

Milda Walkley and Leo Peters, both in their mid 80s, got married last year and took a celebratory eight-day cruise on the Danube River .

“It was lovely,” said Milda, a retired nurse who was long divorced when she met Leo, a retired engineering executive and recent widower.

The couple was so pleased that they quickly booked another trip on Viking Cruises — 10 days on the Mediterranean — for this October.

They purchased travel insurance for both trips because, as Milda put it, “it seemed prudent for anyone in their golden years.”

Travel insurance may be prudent, but it is also expensive — about 10 percent of the trip cost for Milda and Leo’s Mediterranean trip. And it can be maddeningly confusing when making a claim, as the couple found out after a medical issue forced them to cancel.

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Milda and Leo made their claim well in advance of the trip’s departure date to qualify them for a full cash refund. But Viking imposed a $3,800 cancellation penalty nevertheless because Milda mistakenly canceled with Viking’s insurer, not Viking, and that put the cancellation a few days past the full-refund date.

Really? A $3,800 hit for a good-faith bookkeeping mistake by a repeat customer in her 80s?

When he finally got a Viking manager on the phone to make his case for waiving the penalty, Leo got nowhere.

“The Viking manager was adamant there was nothing they could do,” Leo said. “It was: ‘tough luck.’ And then silence.”

Viking’s attitude changed after I got involved. And it wasn’t only Viking. Trip Mate, Viking’s insurer , told me it should have done more to help Milda and Leo.

The couple admittedly did not read the umpteen pages of fine print on their insurance policy and didn’t actually understand the full extent of its coverage. And apparently no one from Viking or Trip Mate offered a guiding hand, which wound up costing the couple a lot of unnecessary time and aggravation.

In the end, Milda and Leo got a full refund, which is exactly what Viking and Trip Mate owed them under the terms of their confusing insurance policy. Plus, Viking wound up giving the couple $500 in travel vouchers as a sort of makeup gift.

Here’s what happened:

Milda and Leo, who live in Danvers, paid $1,900 for what Viking calls its “Trip Protection Plan” on a trip that cost $19,000 (using round numbers). They basically checked a box requesting insurance when running down a list of trip options such as what kind of room they wanted, Milda said.

On its website, Viking touts its Trip Protection Plan as a “cancel for any reason” policy. It says the plan, while offered by Viking, is administered by Trip Mate and covers “unforeseeable circumstances that may arise before or during your trip.”

I suspect few travelers understand there’s actually two different components in Viking’s Trip Protection Plan (and other plans): trip protection and trip insurance. If you are considering travel insurance it behooves you to know how each works.

Trip protection protects the money you prepay for your trip (most travel companies require full upfront payment, not just a fractional deposit). It’s standard practice in the travel industry that when you cancel your trip close to the date of departure you forfeit some or all of your upfront payment in so-called cancellation penalties — the closer you are to the date, the more money you forfeit.

For Milda and Leo’s trip, Viking had established a sliding scale of cancellation penalties. It would impose no penalty on anyone canceling four months or more in advance of departure and a 100 percent penalty on anyone canceling less than 30 days of departure. In between those two extremes, Viking would impose a penalty ranging from 20 percent of the prepaid amount to 80 percent, depending on how close the cancellation came to the departure date.

But would-be travelers can insure against such cancellation penalties by purchasing Viking’s Trip Protection. Let’s say your cancellation date triggers a 20 percent cancellation penalty on a $19,000 trip, as in the example of Milda and Leo. That’s a $3,800 loss in cash. But anyone who purchased Viking’s Trip Protection would be covered for that loss — but in future travel credits with Viking (a.k.a., “travel vouchers,”) not cash. That means you can “cancel for any reason,” as Viking touts on its website, but you get travel credits to cover a cancellation penalty, which are a lot less valuable than cash.

Trip insurance, by contrast, typically covers losses you may incur while traveling, like emergency medical or dental expenses or lost, damaged, or stolen baggage or personal items.

The Trip Protection Plan offered by Viking bundles the two types of protection together for one price and makes Viking responsible for trip protection and Trip Mate for trip insurance. What’s confusing is that Trip Mate’s trip insurance also provides a measure of trip protection, though it differs from Viking’s in that it provides cash refunds, not vouchers, and restricts coverage to only certain “covered events,” such as illness or injury that prevents travel (backed by a doctor’s letter).

The bottom line is that Milda and Leo were eligible for a full cash refund, even without Viking giving them a break for misunderstanding how to cancel. Viking should have refunded 80 percent (based on the date of cancellation) and Trip Mate 20 percent (based on Milda’s medical issue being a covered event). But no one took the time to explain that to them and the fine print posted online is mostly difficult to understand legalese. The couple first learned of the extent of their coverage from me. And it wasn’t easy for me to figure it out.

It was May when Milda’s doctor told her to cancel because of a cardiac issue. Believing she had “cancel for any reason” insurance, Milda searched the Viking website for instructions on how to cancel, but did not find them. So, she went directly to Trip Mate, which she considered an interchangeable and equal partner with Viking on her insurance.

A Trip Mate customer service representative gave her instructions on filing a claim online, which Milda did, including uploading medical records.

But the Trip Mate representative missed an opportunity to spare Milda and Leo a big headache. The rep should have realized the couple on that date was entitled to a no-penalty refund from Viking based on early cancellation. The rep should have said: Don’t file a claim with us — file with Viking, and here’s how to do it.

But no such discussion took place. Instead, Milda awaited her refund, thinking she had properly filed her claim.

“I thought by canceling with Trip Mate I was canceling with Viking,” Milda told me.

But 18 days after filing with Trip Mate Milda received a letter from the insurer saying it had discovered Milda’s trip hadn’t actually been canceled with Viking, and that filing a claim with Trip Mate wasn’t the same as canceling with Viking.

A day after getting the letter, Milda contacted Viking. But it was now too late for a no-penalty refund, she was told. Between the time of her filing with Trip Mate and the time she contacted Viking the number of days before her trip departure date had dropped from 132 to 114, meaning she was past the no-penalty period by six days, a $3,800 goof.

At that point, Viking could have said “close enough” and given her a full refund, which is what Leo argued to the Viking manager. But it also could have — and should have — explained that she would wind up with a full cash refund anyway, because Trip Mate’s policy would kick in to cover Viking’s 20 percent cancellation penalty.

But no such discussion occurred. And Milda and Leo were left thinking they were losing thousands of dollars.

After I got involved, Viking imposed its $3,800 cancellation penalty, but Trip Mate agreed it would cover that amount, much to the relief of Milda and Leo.

If you are considering travel insurance, ask questions. Am I getting trip protection or trip insurance or both? What happens if I cancel my trip before departure? Do I get cash or travel credits? Does the reason I cancel matter? What’s my coverage while I’m on my trip? Who are the responsible parties? How do I cancel and how do I file a claim?

Lots of questions to ask. Make sure you know what you’re getting.

Got a problem? Send your consumer issue to [email protected] . Follow him @spmurphyboston .

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How to Travel Safely with Travel Insurance

Planning a trip? We all look forward to trips to other states or countries or enjoying a cruise. You may not consider “What if something goes wrong?” but life can throw a curveball, and travel insurance can save the day when it does.

What is Vacation Travel Insurance?

Vacation travel insurance protects you when you visit another state or country. It is structured to help you avoid the risk of severe financial losses. This type of insurance covers several potential problems, including medical emergencies, trip cancellations, and emergencies while visiting a foreign country. Travel insurance plans vary types of coverage, and choosing the best policy often requires the assistance of an insurance agent who will advise you on which policy best suits your situation and budget.

Covered Risks – The Options

If you are in another country while on vacation, you may need to return home due to a family emergency, forcing you to cancel the remainder of your trip.

• You may need to cancel a trip due to a medical or family emergency.
• You may have a legal situation that requires you to cancel your trip.
• While on vacation, you may suffer an illness or injury that requires medical care.
• Your baggage may be stolen or seriously delayed.

What Can Travel Insurance Do for Me?

The benefits of having travel insurance can put your mind at ease while on vacation or if you must cancel your trip. These insurance policies allow you to submit a claim and be reimbursed for covered losses. Without travel insurance, you could lose the money you invested in a trip you needed to cancel, including airfare, hotels, and cruise costs. Some policies can pay expenses you incur for emergency medical care or transportation upfront, rather than requiring you to file a claim – which can be essential should you suffer an illness or accident while visiting a foreign country.

Whether you are most concerned about losing your investment in your journey, the need for medical care while abroad, or other issues such as lost or delayed luggage, our local agents can help you find a policy that works for you.

How Much Does Travel Insurance Cost?

Travel insurance is typically reasonable in price, but the cost varies based on the extent of the coverage you buy and for how long. It is far less to buy than the losses you would experience should you be forced to cancel your trip for any reason, in which case you could lose thousands.

Travel Insurance and Your Budget – What’s Right for You?

When selecting the best travel insurance plan, your budget is always essential. Some policies cover only trip cancellations, interruptions, or delays, while others cover medical emergencies. You can purchase travel insurance for a single trip or an entire year – often the ideal choice for people who are frequent travelers. Our agent can discuss your situation with you and advise you of the most affordable insurance with the best coverage for your situation.

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Simpson insurance   & investments.

It is my mission to help my clients manage the risks of everyday life by providing them with the best service and the best coverage, at the best possible price.

Check out a list of the services I offer below. I offer a wide variety of insurance options for you and your family.

HEALTH INSURANCE

MEDICARE PRODUCTS

LIFE & FINAL EXPENSE

DENTAL & VISION

HOSPITAL INDEMNITY

TRAVEL INSURANCE

PET INSURANCE

Jeffrey Simpson

AGENT I do not offer every Medicare plan available in your area. Currently I represent 8 insurance carriers which offer 74 different Medicare plans. Contact Medicare.gov at 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all Medicare plan options.

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Find the best plan that meets you and your families needs today! I am  here for you every step of the way.

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Reach out with any contact method you prefer and I will be in contact within 24 business hours.

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[email protected], mon-fri 9 a.m. –5 p.m., dental & vision.

Dental "An ounce of prevention is worth a pound of cure." It's an old saying that is still applicable today, especially when it comes to dental health. Did you know that dental health is strongly tied to overall health? While not many people love a visit to the dentist, regular checkups and cleanings can prevent costly issues later. That crown or root canal will be a little more comfortable with dental insurance to help with the costs. Dental plans generally cover regularly scheduled checkups, cleanings, fillings, and X-rays. Vision Eye exams can be monumental to keeping track of your health. Did you know eye exams can help detect a myriad of health conditions, including high blood pressure, high cholesterol, and more? Vision insurance plans complement health insurance because preventive eye care is essential to overall health. With screens being an everyday part of modern life, it's not a surprise your eyes may be feeling stressed or fatigued. These plans cover routine eye examinations and can help to pay for corrections such as glasses, frames, and contact lenses. Vision problems are the fourth most prevalent disability in the United States and one of the most prevalent conditions in childhood. Regular eye examinations are also important for general health because they can detect diseases like glaucoma and diabetes. 

Hospital Indemnity

No one ever plans to be hospitalized. Unfortunately, it happens, and when it does, are we ever prepared for the list of fees that come with it? While your medical insurance may help to cover your hospital bills, it may not cover all of the costs associated with a hospital stay, such as deductibles and co-pays, transportation, and lodging. Hospital indemnity insurance can help you to find relief from the cost of hospitalization. 

Pet Insurance

What is Pet Insurance? Insurance for dogs and cats covers vet bills when a pet gets hurt or sick, allowing you to get the best veterinary care possible! It's the same as wanting the best doctors available for treatment when you are sick or in an accident. Kanguro has designed their plans to keep pets healthy while keeping your pockets full. We spend more on our pets than we think. Expensive animal procedures are no different than the ones we face as humans - medical costs are one of the leading causes of financial hardship. Here are the average amounts spent on pet care without insurance: For dogs: $1,745 per year or $34,000 in a lifetime (12 years) For cats: $1,680 per year or $28,000 in a lifetime (15 years) Get a free quote below!

Health Insurance

How To Choose Health Insurance Think about choosing health insurance like buying a pair of jeans: In a clothing store, there are usually dozens of racks of jeans to choose from. As you shop, you consider what kind of jeans you want, along with how much you want to spend. You look at the options that fit your criteria and try them on to see which fits best. Now imagine each rack is a different insurance company. You can shop in the same way — by comparing various types of plans, comparing rates, and comparing coverage and benefits. When you shop smart, you will find the best fit for your health needs. I will help you with the shopping by showing you the options, and together we will sort out the details and see which plan fits you best. Individual Health Insurance Until recently, most people obtained their health insurance from their employer, and people with low income got their insurance from the government. But now, more and more people are buying private health insurance plans tailor-made for individuals. Individual health insurance is actually more affordable than you think. We can help you compare rates from leading health insurance carriers to see for yourself. First, here are a few basics about individual health insurance: What Kinds of Private Health Plans Are Available To Me? There are plenty of individual health plans to choose from. Here are the most common types: HMOs (Health Maintenance Organization) HMOs are one of the most affordable health plans available, and they offer comprehensive coverage. HMOs create networks of doctors, hospitals, clinics, specialists, and other care providers. Most HMO networks consist of thousands of healthcare professionals, ensuring you’ll have convenient access to medical care when you need it. PPOs (Preferred Provider Organization) The PPO is an affordable health plan with an added benefit — you’ll have coverage with any health care provider. That means you can see any doctor or specialist you want, and your plan will cover the care. The PPO is great for flexible, comprehensive, and affordable health care. HSA (Health Savings Account) There are 2 parts to HSA coverage: a high-deductible plan and a Health Savings Account. The high-deductible plan provides catastrophic coverage and features low monthly premiums. The HSA is a tax-free savings account where you save money to pay for routine medical expenses. FFS (Fee For Service) The FFS plan is the traditional form of health insurance. It works very simply — you get the care you need, then you’re reimbursed for a percentage of the cost. Understanding The Terms Of Your Personal Health Insurance Plan Premiums Your premiums are payments you make to keep your plan in effect. Usually, premiums are paid each month. Premiums are set by your insurance company based on factors such as health status, age, where you live, and where you work. Deductible The deductible is the dollar amount you’ll be responsible for before your plan begins coverage. Most health plans let you choose your own deductible, so how do you choose the amount that’s best? It might seem like a lower deductible would be better, but a low deductible means you’ll have to pay higher monthly premiums. It works the other way too — the higher your deductible, the lower your monthly bill. You’ll have to decide if you want lower monthly premiums or lower medical bills for your health care. Copayments and coinsurance If you have an HMO, you might pay $15 at the doctor’s office for a check-up. That’s called your copayment. You pay a certain dollar amount of the bill and your plan covers the rest. HMOs offer copayments as low as $10, while PPOs often charge copayments of $40 or less. Coinsurance is similar to a copayment, except it’s expressed as a percentage rather than a dollar amount. A coinsurance rate of 80/20 means you’ll be responsible for 20% of a medical bill. Individual vs. Employer-Sponsored Health Coverage The majority of people have employer-sponsored health insurance. But the number of people with individual coverage is growing. Today, more than 13 million people have an individual plan. Why choose an individual health plan over an employer’s plan? Here are the key advantages of individual health insurance: Customized Coverage In group coverage, everyone ends up in a one-size-fits-all type of plan. But everyone has different health needs. With employer-sponsored coverage, you end up paying for coverage you don’t need or may have to go without coverage for care you do need. Mobile Coverage With an employer’s plan, leaving your job means leaving your health insurance. Individual plans protect your health wherever your career takes you.

Medicare Products

"We do not offer every plan available in your area. Currently we represent 8 organizations which offer 74 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.’’ Medicare covers many of your health care needs. Today's Medicare is working with private companies approved by Medicare that provide different ways to get your health care and prescription drug coverage in the Medicare Program. The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality. Your Medicare plan choices include: The Original Medicare Plan This is a fee-for-service plan that covers many healthcare services and certain drugs. You can go to any doctor or hospital that accepts Medicare. When you get your health care, you use your red, white, and blue Medicare card. The Original Medicare Plan pays for many healthcare services and supplies, but it doesn't pay all of your healthcare costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called "gaps" in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. You can also add prescription drug coverage by joining a Medicare Prescription Drug Plan.  Medicare Advantage Plans – Available in many areas If you have one of these plans, you don't need a Medigap policy. These plans include: Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans, Medicare Special Needs Plans, and Medicare Medical Savings Account Plans (MSA) These plans may cover more services and have lower out-of-pocket costs than the Original Medicare Plan. Some plans cover prescription drugs. In some plans, like HMOs, you may only be able to see certain doctors or go to certain hospitals to get covered services. Call or email for more information on Medicare Advantage Plans.  Medicare Supplement (Medigap) Plans – Available in many areas Medigap is Medicare Supplement Insurance that can help to fill the "gaps" in Original Medicare healthcare coverage and is sold by private companies. A Medicare Supplement Insurance (Medigap) policy can help pay for some of the healthcare services Original Medicare doesn't cover, including copayments, coinsurance, and deductibles. If you have Original Medicare and you buy a Medigap policy, here's what happens: Medicare will pay its share of the Medicare-Approved Amount for covered healthcare costs. Then, your Medigap insurance company pays its share. Medicare Prescription Drug Plans These stand-alone plans add prescription drug coverage to the Original Medicare Plan, some Medicare Cost Plans, some Medicare Private Fee-for-Service Plans, and Medicare Medical Savings Account Plans. Call or email me for more information on Medicare. Need Help Paying for Health Care Costs? There are wide ranges of healthcare coverage choices that may help pay for some of your healthcare costs. These healthcare choices work with the benefits you have from Medicare. What you choose will affect how much you pay, what benefits you have, which doctors you can see, and other things that may be important to you. For more information about programs that may help pay for some of your healthcare costs, please call or email me today. 

Life & Final Expense

The basic building block of financial planning is protection. By having enough life insurance, you are protecting your loved ones by ensuring that the financial resources are there to continue their lives without financial burden in your absence. It has been said that having life insurance is an honorable and selfless act. You are forward-thinking and taking responsibility for the financial future of the people you love. It is my goal to help you find the best life insurance policy for your family. Life Insurance Basics There are many types of life insurance to fit individual needs and circumstances. The following are some of the basic types of life insurance available. Term Insurance The simplest form of insurance. You purchase coverage for a specific price for a specified period of time. If you die during that time, your beneficiary receives the value of the policy. There is no investment component. Whole Life Similar to term, but you purchase the policy to cover your “whole life” not just a set period of time. Premiums remain level throughout the life of the policy, and the insurance company invests at least a portion of your premiums. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer “a relatively low guaranteed rate of return,” but in reality, pay at a rate in excess of the guarantee. Universal Life You decide how much you want to put in over and above a minimum premium. The insurance company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a cash-value account, which you can use against premiums or allow to build. With some policies, sometimes called Type I or Type A, the cash account goes toward the face value of the policy on the death of the policyholder. With a second variety, sometimes called Type II or Type B, the beneficiary receives the face value of the policy plus all or most of the cash account. While Type II is meant to provide a partial hedge against inflation, it demands higher premiums as you get older than Type I. A variation of a universal policy, often called universal variable life, allows policyholders to choose investment vehicles. Final Expense With the average cost of funerals being around $10,000, you can help to cover those expenses with final expense insurance, also known as burial insurance. It will help cover funeral arrangements (casket, embalming, flowers, etc.), burial costs (cremation, burial plot, etc.), and outstanding medical, legal, or credit card bills.

Life Insurance

The basic building block of financial planning is protection. By having enough life insurance, you are protecting your loved ones by ensuring that the financial resources are there to continue their lives without financial burden in your absence. It has been said that having life insurance is an honorable and selfless act. You are forward-thinking and taking responsibility for the financial future of the people you love. It is my goal to help you find the best life insurance policy for your family. Life Insurance Basics There are many types of life insurance to fit individual needs and circumstances. The following are some of the basic types of life insurance available. Term Insurance The simplest form of insurance. You purchase coverage for a specific price for a specified period of time. If you die during that time, your beneficiary receives the value of the policy. There is no investment component. Whole Life Similar to term, but you purchase the policy to cover your “whole life” not just a set period of time. Premiums remain level throughout the life of the policy, and the insurance company invests at least a portion of your premiums. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer “a relatively low guaranteed rate of return,” but in reality pay at a rate in excess of the guarantee. Universal Life You decide how much you want to put in over and above a minimum premium. The insurance company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a cash-value account, which you can use against premiums or allow to build. With some policies, sometimes called Type I or Type A, the cash account goes toward the face value of the policy on the death of the policyholder. With a second variety, sometimes called Type II or Type B, the beneficiary receives the face value of the policy plus all or most of the cash account. While Type II is meant to provide a partial hedge against inflation, it demands higher premiums as you get older than Type I. A variation of a universal policy, often called universal variable life, allows policyholders to choose investment vehicles.

Travel Insurance

Travel insurance is coverage designed to protect against risks and financial losses that could happen while traveling. The risks range from minor inconveniences such as missed airline connections and delayed luggage all the way to more serious issues including injuries or major illness.

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Luxury Holidays With Simpson Travel

An award-winning tour operator specialising in luxury holidays to sublime locations across Europe and the Mediterranean, our unique collection of handpicked villas and distinctive boutique hotels make your time abroad an unforgettable experience. From intimate romantic retreats to family-friendly beachfront idylls, our inspirational holidays are complemented by the thoughtful extras that make all the difference.

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LAST MINUTE AVAILABILITY

Pollensa | Mallorca Sleeps 12

Cala Dala Available 17 August 2024

Pollensa | Mallorca Sleeps 8

Villa Barcares Available 17 August 2024

Corfu | Greece Sleeps 6

Villa Ekavi Available 18 August 2024

Paxos | Greece Sleeps 6

Pelagia Available 18 August 2024

Meganissi | Greece Sleeps 6

Mimosa Available 18 August 2024

Kalkan | Turkey Sleeps 10

The Eden Collection - Villa Maya Available 18 August 2024

Zakynthos | Greece Sleeps 6

Villa Sigalia Available 18 August 2024

Ithaca | Greece Sleeps 4

Villa Alba Available 18 August 2024

The Simpson Difference

A range of awards

Outstanding reviews

Over 40 years in travel

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HOTEL HOLIDAYS

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Large Group Holidays

Walking Holidays in Greece

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OUR DESTINATIONS

Simpson Travel in the media

‘[Simpson Travel] specialise in the sort of magical, unspoilt destinations my family loves’ Author: The Telegraph

‘So how did we find the near-perfection that was Villa Cabanellas in Mallorca? The first step was to approach… Simpson Travel… we needed expertise, not just blinding choice.’ Author: Sunday Times Travel Magazine, The Villas Handbook

‘The Simpson Travel check-in at Heathrow’s Terminal 5 was seamless.’ Author: Family Traveller, Katy Hill

‘Where Simpson [Exclusive] really excels is in its first-hand knowledge of properties and destinations’ Author: House & Garden

‘Simpson [Exclusive] delivers holidays that combine sunshine, five-star luxury and friendly service’ Author: House & Garden

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We specialize and offer products & services in these main areas

Travelling Canadians

Visitors to Canada

Expatriates

Student Plans 

Group Plans 

Special Risk Plans

This list is by no means exhaustive, but it should give you a general idea of those areas that we can support you in. If you require advice, assistance, support, or coverage in any of these or other related areas please give us a call.

We also work with Disability, Critical Illness, Long Term Care, and AD&D (Accidental Death & Dismemberment Insurance). We can arrange War & Terrorism Coverage and Kidnap & Ransom Programs.

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Simpson Group Insurance Services 99 Evergreen Terrace SW Calgary, AB, T2Y 2R7 Canada

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