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Travel Insurance

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What is travel cover?

Travel Insurance

Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while traveling. It's designed to cover unexpected events that could affect your trip or your health away from home.

What should you buy travel insurance?

Travel insurance is important, but why should you consider purchasing it?

Financial Protection

Travel involves investment, and insurance helps protect that investment if the trip doesn't go as planned.

Safety Net

It acts as a safety net for unforeseen medical emergencies, which can be exorbitantly expensive abroad.

Peace of Mind

It offers peace of mind, knowing that you have a backup plan in case something goes wrong.

What exactly does travel insurance cover?

Travel insurance can provide coverage for a variety of situations, including:

  • Trip Cancellation: Reimburses you for prepaid, non-refundable expenses if you need to cancel your trip due to a covered reason.
  • Trip Interruption: Covers the costs if you need to return home early or interrupt your trip for covered reasons.
  • Medical Emergencies: Covers medical and dental emergencies that occur during your trip.
  • Emergency Evacuation: Provides coverage for emergency evacuation expenses to the nearest appropriate medical facility or back home.
  • Lost or Stolen Baggage: Reimburses you for lost, stolen, or damaged personal items.
  • Travel Delays: Provides reimbursement for additional accommodations or travel expenses if your trip is delayed for a covered reason.
  • 24/7 Assistance: Offers around-the-clock assistance to help with emergencies, such as lost passports or legal troubles.

How do you purchase travel insurance?

  • Choose the Right Plan: Research and compare plans to find one that fits your travel needs.
  • Understand the Policy: Make sure you understand what is and isn’t covered by reading the policy details.
  • Purchase in Advance: Buy your travel insurance soon after booking your trip to ensure coverage for potential trip cancellations or interruptions.

What Are the Disadvantages and Advantages of Travel Insurance?

What are the pros and cons of travel insurance?

  • Comprehensive Coverage: From trip cancellations to medical emergencies, you have a broad range of situations covered.
  • Saves Money: It can save you from significant financial loss if you encounter emergencies, which would otherwise cost a lot more without insurance.
  • Assistance Services: Most plans offer 24/7 assistance, which can be invaluable during travel emergencies.
  • Cost: Travel insurance is an extra expense on top of travel costs.
  • Complexity: Policies can be complex and difficult to understand, making it challenging to know what is covered.
  • Exclusions: There are exclusions in every policy; pre-existing conditions, for example, are often not covered.

How can you make sure you’re choosing the right travel insurance policy?

How can you make sure you’re getting the right travel insurance?

  • Assess Your Needs: Evaluate what kind of coverage you need based on your trip’s specifics.
  • Comparison Shop: Look at different plans from various providers to find the best coverage for your needs.
  • Read the Policy Thoroughly: Make sure you understand what is covered, the limits of coverage, and how to file a claim.

What are some common misunderstandings about travel insurance?

  • Total Coverage: Some people think travel insurance covers absolutely everything, but all policies have limits and exclusions.
  • Health Insurance Replacement: Travelers often believe travel insurance can replace their health insurance abroad, which is not the case; it’s supplementary.
  • Last-Minute Purchase: Another misunderstanding is that you can buy travel insurance at any time, even after an incident occurs, which is incorrect.

How can Gerrards help?

How can Gerrards, as a specialist in travel insurance, assist?

  • Expertise: We have specialized knowledge of travel insurance options suitable for New Zealanders.
  • Personalized Service: Gerrards can provide personalized service, helping you to find a policy that matches your individual travel needs.
  • Support: If you need to make a claim or require assistance during your trip, Gerrards can help guide you through the process.

Traveling presents a unique set of uncertainties and risks, and while we hope for the best, it’s wise to plan for the unexpected. At Gerrards, we believe that with the right travel insurance, you can embark on your adventures knowing you’re well-prepared for whatever comes your way. Whether you’re traveling for leisure, business, or education, we’re here to help you find the coverage that lets you

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