Betcha didn’t know travel insurance covered that

travel, insurance, trip, contract, paper, paperwork, coverage, emergency, medical

Betsy Donley recommends travel insurance for all the reasons you’d imagine — and a few you might not.

It’s commonly known that travel insurance covers circumstances such as trip interruptions, delays and emergency medical transportation. And there are standard clauses for lost baggage and in-transit assistance.

But Donley advises travelers to buy insurance for the less known — and less expected — reasons. For example, did you know that health insurance may not cover you if you get sick while you’re out of the country? But travel insurance does.

Donley, a Phoenix-based travel consultant, has seen too many Baby Boomers face sky-high medical bills while they’re abroad.

“They are not protected by Medicare,” she says.

Actually, you might be surprised at what some travel insurance policies cover. The biggest open secret is car rental insurance. If you’ve got travel insurance, there’s usually no need to buy additional coverage from your car rental company. But there are other things, hidden in plain sight.

Sheila Berrios-Nazario, who runs a travel agency that focuses on senior travel, says she was surprised when she was leafing through an Allianz Travel Insurance policy recently. “It covered unexpected important family events such as the birth of your first grandkid,” she says. “That’s something most grandparents wouldn’t want to miss.

Berrios-Nazario still hasn’t had any claims for that benefit, but then, it’s an obscure one that many travelers aren’t even aware of.

“There are little-known things covered by travel insurance,” agrees Beth Godlin, president of the Aon Affinity Travel Practice.

So what’s hidden in your policy? Here are a few of Godlin’s favorites:

✓ If your home becomes “uninhabitable,” that can be a covered reason for trip cancellation. It could be due to almost anything serious, such as a fire, flooding or weather damage·

✓ A lot of travelers don’t know that their travel insurance could cover them if they get into a car accident on their way to their departure flight.

✓ Travel insurance includes concierge benefits, such as assistance with a lost passport, finding appropriate medical care, or obtaining travel information while abroad.

✓ Many policies include medical evacuation not only for the injured traveler, but often also for a companion if they are traveling together.

✓ If the injured person is traveling alone, his or her insurance plan might also pay for flying in someone from home to meet the injured person and then accompany them back.

✓ Some plans provide cancellation for job loss; some have coverage if you get called to jury duty.

I was curious about my own annual policy from Allianz, so I decided to give it a closer read. Here’s what I found:

Transport to bedside
If you’re told you will be hospitalized for more than seven days during your trip, Allianz will transport a friend or family member to stay with you. It will arrange and pay for round-trip transportation in economy class on a commercial airline.

Emergency translation
Allianz will help you with interpretation service in the event you require help locally but are unable to communicate due to language barriers.

Meals, accommodation and transportation
Reasonable additional expenses for meals and accommodation related to your missed connection or cruise.

Sheryl Hill, the executive director of the nonprofit organization Depart Smart, says one of her favorite unknown coverages is kidnap and ransom insurance.

“Some travel insurance also covers petty kidnapping, where they take your wallet and cash card and deplete them before they let you go, or extort your family for money,” she says.

I also talked to Phil Sylvester over at World Nomads, and one of their policies, WN Explorer, even covers sports gear rentals “if an airline loses or damages your own gear.”

“Until I began working for a travel insurance company I had no idea these things were covered, I figure many people still don’t know,” he says.

Well, that makes two of us.

Bottom line: Read your insurance policy carefully, because you might be covered in ways you can’t imagine. And that’s good, because you never know when you might need that coverage.

Underwritten by

Elliott Advocacy is underwritten by Cavalry Travel Insurance

Cavalry takes the worry of out travel by providing 24/7 access to medical and security professionals combined with the best medical evacuation and security extraction services. Cavalry gets you home safely when you need it most. Learn more at

Elliott Advocacy is underwritten by Seven Corners

Seven Corners has helped customers all over the world with travel difficulties, big and small. As one of the few remaining privately owned travel insurance companies, Seven Corners provides insurance plans and 24/7 travel assistance services to more than a million people each year. Because we’re privately held, we can focus on the customer without the constraints that larger companies have. Visit Seven Corners to learn more.

Elliott Advocacy is underwritten by Sodexo North America

Sodexo North America Sodexo North America is part of a global, Fortune 500 company with a presence in 80 countries. Sodexo is a leading provider of integrated food, facilities management and other services that enhance organizational performance, contribute to local communities and improve quality of life for millions of customers in corporate, education, healthcare, senior living, sports and leisure, government and other environments daily. Learn more at

Elliott Advocacy is underwritten by Travelex Insurance Services

Travelex Insurance Services is a leading travel insurance provider in the United States with over 55 years combined industry expertise of helping people dream, explore and travel with confidence. We offer comprehensive travel insurance plans with optional upgrades allowing travelers to customize the plans to fit their needs. Compare plans, get a quote and buy online at

Elliott Advocacy is underwritten by AirHelp

AirHelp is the world’s leading flight delays compensation company, helping passengers apply for compensation following a delayed or canceled flight or when boarding has been denied. It is AirHelp’s mission to fight for passenger rights by holding airlines accountable for flights disruptions that are out of passengers’ control. AirHelp has already helped 5 million people, taking the stress out of applying for compensation and making it as hassle-free as possible for travelers around the world.

Elliott Advocacy is underwritten by Allianz Travel Insurance

The Allianz Travel Insurance company has built its reputation on partnering with agents all around the world to provide comprehensive travel insurance for their clients. Contact Allianz Travel Insurance for a comprehensive list of coverage.

Elliott Advocacy is underwritten by Chubb

Chubb is the world’s largest publicly traded property and casualty insurance company, and recognized as the premier provider of insurance for successful individuals and families in the U.S. and selected international markets, offering coverage for high-value automobile, homeowners, recreational marine/aviation, valuables and umbrella liability coverage. As an underwriting company, Chubb assesses, assumes and manages risk with insight and discipline, and combines the precision of craftsmanship with decades of experience to conceive, craft and deliver the best insurance coverage and services to individuals, families and business of all size.

Elliott Advocacy is underwritten by Enterprise Holdings

A family-owned, world-class portfolio of brands. A global network that spans across more than 85 countries. Some 97,000 dedicated team members sharing common values. And more than 1.9 million vehicles taking our customers wherever they need to go.

Elliott Advocacy is underwritten by Fareportal

Fareportal’s portfolio of brands, which include  CheapOair and  OneTravel, are dedicated to helping customers enjoy their trip. Whether you want to call, click, or use one of our travel apps, one thing is clear: We make it easy to take it easy.

Elliott Advocacy is underwritten by

An independent provider of low cost CDW/LDW insurance for use with rental cars. Up to $100,000 cover with no deductible. Policies available on a per day, per trip or per year basis. Also works with overseas rentals. Try  Insuremyrentalcar.comnow.

Elliott Advocacy is underwritten by Mediacom Communications

The nation’s fifth-largest cable operator, serving the smaller cities and towns in the Midwest and Southern regions of the United States. We are a high-performance broadband, entertainment, and communications company that brings the power of modern technology and quality customer experience to life inside the connected home by combining ultra-fast gigabit speeds with personalized local and over-the-top entertainment choices that fit your lifestyle. Details at

Elliott Advocacy is underwritten by Arch RoamRight

Arch RoamRight is one of the fastest growing, most-highly rated travel insurance companies in the United States. Travel advisors love working with us, and travelers feel protected with our trip cancellation and travel medical insurance coverage. We also make it easy to file a claim online with our fast, paperless claims website. Learn more about RoamRight travel insurance.

Elliott Advocacy is underwritten by Virtuoso

The leading global network for luxury and experiential travel. This invitation-only organization comprises over 1,000 travel agency locations with 17,500 advisors in over 45 countries, and holds preferred relationships with 1,700 of the world’s finest travel companies. Virtuoso advisors collaborate with their clients to create personalized itineraries featuring exclusive perks, while also providing advice, access, advocacy, and accountability. For more information, visit

Elliott Advocacy is underwritten by VisitorsCoverage

As a company that is constantly striving to simplify travel insurance, VisitorsCoverage, is on a mission to help travelers make the better decisions about purchasing travel insurance, quickly. VisitorsCoverage has helped millions of travelers globally to buy the suitable travel insurance and explore the world with confidence. Get insurance for your next trip at  VisitorsCoverage. Lowest Price Guaranteed.

Elliott Advocacy is underwritten by MedjetAssist

Medjet is the premier global air-medical transport, travel security and crisis response membership program for travelers. With a MedjetAssist membership, if you become hospitalized more than 150 miles from home, we will get you from that unfamiliar hospital all the way home to the hospital you trust. All you ever pay is your membership fee. MedjetHorizon members add 24/7 personal security and crisis response benefits. readers enjoy discounted rates. Travel safer with  MedjetAssist.

Elliott Advocacy is underwritten by Southwest Airlines

The mission of Southwest Airlines is dedication to the highest quality of Customer Service delivered with a sense of warmth, friendliness, individual pride, and Company Spirit. We are committed to provide our Employees a stable work environment with equal opportunity for learning and personal growth.

Elliott Advocacy is underwritten by makes it fast and easy to compare and buy travel insurance online from top rated providers. Our unbiased comparison engine allows travelers to read reviews, compare pricing and benefits and buy the right policy with a price guarantee, every time. Compare and buy travel insurance now at

Elliott Advocacy is underwritten by Squaremouth

Squaremouth helps travelers easily and instantly compare travel insurance policies from all major providers. Only companies that meet the strict requirements of Squaremouth’s Zero Complaint Guarantee are available on the website. Compare policies on to save over 70 percent on your next purchase.

Elliott Advocacy is underwritten by Travel Leaders Group

Travel Leaders Group is transforming travel through its progressive approach toward each unique travel experience. Travel Leaders Group assists millions of travelers through its leisure, business and network travel operations under a variety of diversified divisions and brands including All Aboard Travel, Andrew Harper Travel, Colletts Travel, Corporate Travel Services, CruCon Cruise Outlet, Cruise Specialists, Nexion, Protravel International,, Travel Leaders Corporate, Travel Leaders Network and Tzell Travel Group, and its merger with ALTOUR. With more than 7,000 agency locations and 52,000 travel advisors, Travel Leaders Group ranks as one of the industry’s largest retail travel agency companies.

Elliott Advocacy is underwritten by Travelers United

If you’ve been mistreated by the airlines, Travelers United is your voice in Washington. Join the #1 travel advocacy organization working with Congress to improve and protect travelers. Plus, get $400 of annual benefits you can use for travel for only $29/year. Add your voice to ours. Make travel better.  Join today.

Send this to a friend