Whether you're venturing across the state or across the world, traveler's insurance offers critical protections in the event of an unforeseen mishap. This coverage helps ensure a smooth and stress-free vacation. Below, learn more about traveler's insurance with answers to some common questions.

Answers to Common Questions About Traveler's Insurance

What does traveler's insurance cover?

Different policies offer different protections. Most provide coverage for emergency medical services, trip cancellations, lost baggage, and weather-related disasters.

Some policies will also reimburse for specific costs, like meals and accommodations, associated with a missed connection or an unexpected delay in travel. Be sure to explore all your plan options and understand the events covered by each.

Who is covered by the policy?

In general, members of the same household are covered by a single policy, so your family members, roommate, or domestic partner can usually be protected. But if you are traveling with friends, colleagues, or others with whom you don't share a residence,you’ll likely need to buy separate policies for each traveler.

When should I buy traveler's insurance?

Aim to buy your policy as soon as the trip is booked. This will give you plenty of time to read over the coverage details and learn how to file a claim if the need arises. That said, many providers will allow you to purchase a policy up until the day before departure.

Should I have traveler's insurance if I’m going on a road trip?

Policies cover expenses above and beyond those related to airplane and boat travel. This policy will often reimburse you for unexpected medical expenses incurred during travel; this is especially important if you're on Medicare, which usually doesn't cover healthcare services outside the country.

Find a traveler's insurance policy that covers your needs by contacting the Ebert Agency. Since 1928, they have been serving customers throughout the Foley, AL, area. They offer a comprehensive range of personal and business insurance solutions, from travel and auto coverage to home and commercial policies. Call (251) 943-2281 or visit their website to request a quote from an insurance agent.