Should You Invest In Travel Insurance?

Whether you are about to take a trip to visit family for the holidays or a special event, or are about to embark on a dream vacation to another country, you may be wondering if it is necessary to purchase travel insurance. If you live in San Diego, California and are planning a getaway, and have questions about travel insurance protection, Windfall Insurance Services Inc. can help. Read on to learn more about the ins and outs of insurance coverage options when traveling.

Understanding Trip Interruption Coverage

One type of travel insurance coverage, known as trip interruption insurance, which is intended to help protect travelers from financial loss in the event that they need to end their vacation early and travel back home earlier than expected for any reason that is specified on the insurance policy. The conditions that are usually included in trip interruption services are when you or someone you are traveling with falls ill or or becomes injured and requires the person to seek medical attention, and prevents the person from continuing the vacation, if someone in your travel party passes away, or if there is a mandatory evacuation of the vacation destination due to a natural disaster of some sort.

Should I Purchase Rental Car Insurance When Traveling?

A common question that travelers have when driving on vacation is whether or not they should purchase rental car insurance. Although it is not required to have insurance when you rent a car, rental car companies have the minimum amount of vehicle insurance coverage. Therefore, if you are involved in any type of rental car incident and you do not have a rental insurance policy, you could potentially be held financially responsible for a very expensive repair cost. If you already have your own comprehensive and collision auto policy, it is likely that your rental car will be financially covered if it becomes stolen or damaged, but it is important to note that you will still need to pay for your deductible. If you do not already have a standard auto insurance policy, and choose not to buy insurance through the rental car company, you also have the option of purchasing a policy through a third party. If a rental car driver does not have any type of insurance, they will ultimately be responsible for paying the cost of all damages sustained to the rental vehicle.

Protection From Vehicle Breakdowns

There are also insurance coverage options a traveler can purchase to help provide coverage when they are on the road and any unplanned issues arise while on the highway. Some insurance policies will offer travel assistance if your car has any mechanical malfunctions or if you run out of gas. This kind of road trip insurance can help a driver in the United States, rv drivers, and drivers in a foreign country.

If you have questions about travel insurance in San Diego, California, contact Windfall Insurance Services Inc. for a consultation.