The Importance of Timing when Purchasing Travel Protection

Most folks purchase travel insurance at the time they make their initial travel plans, but that is not always the case.  There are some significant benefits that can be had when travel protection is purchased within 14 days of making the initial travel reservations.  Play Travel Protection from Rental Guardian offers coverage for pre-existing health conditions and the opportunity to consider a Cancel-For-Any-Reason (CFAR) policy during that 14-day window.

Travel insurance plans have an automatic exclusion for pre-existing conditions.  That means they do not provide coverage for an existing condition, which is defined as any injury, illness, disease or other medical condition that occurs prior to the travel plan’s purchase date and for which a person has had symptoms and sought diagnosis and is under medical treatment and/or prescribed medications.  It can run the gamut from high blood pressure, asthma, diabetes, cancer, old injuries and the like.

Our travel insurance plans cover pre-existing conditions by offering a waiver to the exclusion, but only if the insurance is purchase within 14 days of the initial trip deposit.   Having pre-existing coverage means that the medical coverage terms provided by your policy is in effect because the pre-existing exclusion is waived.

Our travel plans are ‘group’ plans covering everyone in the traveling party.  The reality is that the person making the arrangements for accommodations is likely not aware of the health history of his or her traveling companions, let alone their family members.  It very well could be that someone is being treated for a heath condition that could take a turn for the worse at just the wrong time, resulting in a wrinkle to the best laid vacation plans. 

A travel policy is a low-cost means for protecting against the loss of any non-refundable trip costs.  Like any insurance, a low outlay upfront can provide peace of mind for covering the unexpected, knowing that your financial investment is not at risk.  A standard group policy is just 7% of the desired coverage amount.  In the case of the Play Travel policy from Nationwide, it provides protection for 30 events ranging from injury, death, airline delays, auto accidents, job related issues and more.  A CFAR policy expands your options by providing you with the ability to cancel for reasons outside of the standard 30 coverage events.  CFAR coverage costs are 9.8% of the desired coverage amount.

If travel protection is part of your travel plans, opt to purchase it at the time of your reservation and enjoy the added benefits at no additional cost.  For additional information, we encourage you to visit www.protectionbrands.com. 

Products offered by Insure Stays Insurance Group, powered by the RentalGuardian.com platform. Travel Insurance is underwritten by Nationwide® Mutual Insurance Companies and Affiliated Companies, Columbus, OH.

Your Vacation - Protect against the Unexpected

Protection Brands is a RentalGuardian.com company offering protection against financial loss for vacationers and those who provide vacation housing. Our initial products include:

 

Travel Protection helps travelers prepare for the Unforeseen. Life throws enough curve balls our way and you don’t want to let unforeseen events ruin your vacation. One in six travelers experience unforeseen circumstances such as an illness, a storm, job change or some other events that can result in a cancelled or delayed trip and the potential loss of all or part of a vacation investment. Travel insurance is for the peace of mind in knowing that your prepaid, nonrefundable costs are protected should your vacation get interrupted or canceled for one of more than thirty common covered reasons. 

 

Damage Protection protects the vacation rental homeowner against accidental damage to a rental property during a guests stay. Damage Protection is in lieu of the traditional security deposit, where for a nominal non-refundable fee, it protects the guest for accidental damage up to the limit of coverage selected. Should damage occur, claims are processed online and the expense incurred for repairs or replacement is reimbursed to the property manager up to the limit of coverage selected which is either $1,500 or $3,000 in coverage.

 

Individual can purchase Travel Protection at www.travelprotection.insure. Vacation homeowners or property managers who wish to make it available to guests can do so by registering at www.offertravelprotection.com. Lodging providers can purchase Damage Protection by registering at www.getdamageprotection.com.

Products offered by Insure Stays Insurance Group, powered by the RentalGuardian.com platform. Travel Insurance is underwritten by Nationwide® Mutual Insurance Companies and Affiliated Companies, Columbus, OH. Damage Protection is underwritten by certain underwriters at Lyndon Southern Insurance Company. Products are available at www.ProtectionBrands.com and affiliated websites.