Product Overview: Travel Insurance

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Travel with Confidence with Travel Insurance Coverage

AmTrust Warranty & Specialty Risk underwrites travel insurance programs that provide peace of mind when traveling for business or pleasure. From last-minute cancellations, lost baggage, or unexpected trip interruptions or delays, travel insurance offers protection from the financial risks and losses that may occur along the journey.
 

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What is Travel Insurance?

Travel insurance can help protect the trip investment, whether it’s for the vacation of a lifetime, a spur-of-the-moment excursion, or an important business trip. Travel insurance is designed to cover those unforeseeable events that can lead to financial losses, from severe weather conditions that arise during the trip to unexpected medical emergencies and more.

Event Insurance Coverages


Travel Protection

  • Trip Cancellation
  • Trip Cancellation for Any Reason
  • Trip Interruption
  • Trip Interruption for Any Reason
  • Itinerary Change
  • Itinerary Change – Pre-Paid Excursion
  • Missed Connection
  • Trip Delay
  • Golf Obligation
  • Lost Golf Rounds
  • Lost Diving Days
  • Lost Recreation Days
  • Lost Ski Days
  • Ticket Saver
  • Inconvenience to You
  • Hotel/Motel Burglary
  • Rental Car Damage
  • Property Damage
  • Vehicle Disablement


Medical Protection

  • Accident and Sickness Medical Expenses
  • Emergency Accident and Sickness Medical Expenses
  • Accidental Injury and Sickness - In Hospital Indemnity
  • Emergency Evacuation
  • Emergency Helicopter Transport
  • Repatriation of Remains
  • Non-Medical Emergency Transportation
  • Pet Medical Expenses
  • Search and Rescue


Baggage Protection

  • Baggage /Personal Effects
  • Baggage Delay
  • Sports Equipment Rental

Travel Accident Protection

  • Accident Death & Dismemberment
  • Accident Death & Dismemberment - Common Carrier
  • Accident Death & Dismemberment - Common Carrier (Air Only)
Frequently Asked Questions About Travel Insurance
Why is insurance for traveling necessary?
Taking a trip of any sort is generally a big investment. While it’s not a required coverage, travel insurance provides trip-goers with the peace of mind that should the unexpected occur, they will be covered from the financial losses associated with cancellations, medical emergencies, delays, lost belongings, theft and more.
What are the main types of travel insurance?

Travel insurance from AmTrust Warranty and Specialty Risk offers the following:

  • Travel protection
  • Baggage protection
  • Medical protection
  • Travel accident protection
What does travel insurance NOT cover?

Travel insurance does have certain coverage exclusions. A few examples of these exclusions include:

  • Losses caused by pre-existing conditions during the trip like illnesses or diseases during the 60-180 day period immediately prior to the effective date of the policy for the policyholder or their travel companions, or for accidental injuries incurred when traveling against the advice of a physician.
  • Losses caused by participating in extreme adventure sports like mountaineering or bungee jumping.
  • Losses caused by engaging in illegal acts.
  • Medical tourism – or traveling to another country for medical treatment – is excluded from coverage.
The policy will describe in detail the covered reasons for trip cancellation and all the exclusions, so it is encouraged to read it thoroughly.
How much is travel insurance and what can affect the cost?

In general, the cost of travel insurance is determined by the cost of the trip itself. When planning a trip, travelers should always ask about adding travel insurance for extra protection and to budget for it according.

When should you purchase a travel insurance policy?
Experts recommend purchasing a travel insurance policy immediately upon completing any travel arrangements. Putting off purchasing travel insurance can lead to forgetting to obtain coverage altogether. Additionally, the sooner travel insurance is purchased, the more protected the policyholder will be, as benefits generally begin on the plan’s effective date (as long as the premium is received before the cancellation or submitting any claims).

Contact AmTrust Warranty & Specialty Risk for Travel Insurance

To learn more about our travel insurance coverage options, please contact AmTrust Warranty & Specialty Risk today.