Are you gearing up for a big family vacation? Do you travel often for business or to visit family? It may be time to consider how travel insurance can benefit you when you’re on the go. Planning a vacation takes time and it often requires a sizable chunk of your savings. If something were to happen to ruin your trip, wouldn’t you want a way to get your money back?

With the right travel insurance policy, you can be reimbursed for expenses under a variety of conditions. And you never have to overspend to get adequate coverage; you can buy as much or as little coverage as you need. For instance, you can buy a policy to cover a single trip to a specific location, or you can buy a policy that offers continuous worldwide coverage for full year if you travel frequently.

Here are three areas where travel insurance helps protect you.

• Lost, damaged or stolen luggage: Suitcases themselves can be rather pricey, but then you fill them with clothing, shoes, camera equipment, sporting gear and other valuable items. If your luggage gets lost, damaged or stolen, you could be out hundreds or even thousands of dollars. But travel insurance can reimburse you for these losses so the whole trip doesn’t have to be a bust.

• Trip cancellations or interruptions: Unforeseen incidents, while not extremely likely, do happen on occasion. You may have to cancel your trip mere days before leaving because your house unexpectedly flooded during a storm, or you may have to return home sooner than expected after getting news of a family member passing away. These cancellations and interruptions could have severe financial repercussions because many travel expenses are non-refundable. Not to mention, last minute airfare rates are outrageous. But if a covered event is the reason for a trip cancellation or interruption, your travel insurance policy can reimburse for you for any incurred losses.

• Medical expenses: Your health insurance will probably be valid if you’re traveling within the country, but coverage may not extend internationally. If you’ll be spending time overseas, it’s worth considering a travel insurance policy that includes healthcare coverage. General access to affordable healthcare is a necessity, but you may also wish to consider emergency transportation coverage if you’re traveling to a remote area.

Talk to your independent insurance agent today to ensure that your future travels are protected.

We’ve got you covered. Call Stewart Kriese Ins Agency Inc at 209-847-8025 for more information on the travel insurance policies we offer.