Travel Insurance Benefits,Travel Conveniences and Upgrades
Accidental Death and Dismemberment (AD&D)
Golf Package When a scheduled golf game is canceled due to the unexpected, such as sickness or severe weather, fees may still apply. This option covers golf green fees, hole-in-one coverage, recreational equipment delay and recreational vehicle damage. Travel insurance provides you and your loved ones the protection to travel with confidence. Please click here to contact us if you have questions about travel insurance for your next trip.
Pays a benefit to you or a covered member if an accident results in loss of life, limb, sight, speech or hearing. Trip Delay Coverage We will reimburse you or a covered member for the cost of food and temporary lodging if a scheduled trip is delayed more than eight hours due to a covered loss, such as sickness, hijacking, inclement weather or natural disaster. Baggage Delay Coverage We will reimburse you or a covered member for essential items needed to hold you over if your baggage is delayed six hours or more after your flight arrives. Travel Assistance Services Help is at hand for travel needs such as replacement of lost travel documents, rebooking related to loss, translation services, medical referrals, legal referrals, identity protection, and more.
Political Evacuation Provides coverage for necessary evacuations from a location for which the U.S. Department of State has issued a travel warning. Felonious Assault Pays an additional death benefit to you or a covered member’s beneficiary if an accidental bodily injury resulting from a felonious assault causes a covered person’s loss of life. Common Carrier Pays a benefit if accidental loss of life, limb, sight, speech or hearing occurs while you or a covered member are in, entering or exiting any motorized land, water or air conveyance operated by an organization that is licensed for the transportation of passengers for hire.
Making travel plans has always carried a level of risk from lost bags, canceled flights and bad weather to name a few itinerary snags. But in today’s post-Covid travel boom, it can be especially surprising when a trip goes off without a hitch. With that in mind, travel insurance could be the safety net you need as you make plans to see family for the holidays or escape the winter cold. We consulted one of our carrier partners Chubb for a list of what travel insurance may cover on a policy. Medical Evacuation and Repatriations Pays the covered expenses for evacuation or repatriation if an accidental bodily injury, sickness or loss of life occurs during a covered trip requiring such evacuation or repatriation. Evacuation will be monitored by professional case managers to help determine the level of care and the appropriate next steps. Excess Medical Expense Reimburses excess medical expenses incurred as a result of an accidental bodily injury in the U.S. or abroad and sickness medical when traveling outside the United States. Excess Medical Expense is not intended to take the place of primary medical coverage and is not available to residents in all states.
This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guar-antee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.“Alera Group Wealth Services” is a brand name utilized by Alera Group, Inc. and certain subsidiaries and affiliates (collectively “Alera”).Advisory Services offered through Alera Investment Advisors, LLC. Securities offered through Triad Advisors, LLC, Member FINRA/SIPC. Triad Advisors LLC is separately owned and other entities and/or marketing names, products or services referenced here are independent of Triad Advisors. Information provided by Alera should not be considered tax or legal advice. Should you require tax or legal information, please con-sult your tax advisor or attorney.
Personal Finance Quarterly | Fall 2022
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