Distinctive Destinations offers several travel insurance products (our CA Dept. of Insurance license number is: 0E89161). Be sure to discuss with us which one best meets your needs. A basic difference is the amount of medical coverage/medical evacuation/repatriation coverage included. "Standard" travel insurance reimburses your prepaid costs if you need to cancel for a covered reason--primarily a medical reason.
And, if you only want the medical coverage/medical evacuation provisions, and you don't care about trip cancellation/interruption, we can help you find an inexpensive way to get this coverage for your trip. We can also help you with insurance to cover your non-refundable airline ticket, or annual policies for those of you who are frequent travelers (note: annual policies do not include trip cancellation/trip interruption coverage).
According to the U.S. Travel Insurance Association, 1 in 6 policy purchasers file a claim, and of those, fewer than 10 percent are turned down. Many denials are overturned on appeal. Informal estimates from insurance experts that roughly 90 percent of appeals go the traveler's way.
1. Travel Insured. To view all the policy definitions and details, go to this site. Use the agency code of 47447. They have a variety of products with different levels of coverage. They also have optional add-ons if you want to be able to "cancel for any reason", "cancel for a work reason", have pre-paid sports activities be insured, etc. Travel Insured
To purchase Travel Insured's Worldwide Trip Protector, use this form.
2. Travelex Insurance, including Travel Select and Travel Max. Click this link to go to the Travelex site. You can also purchase foreign currency and travelers checks; use location # 050267. Travelex Insurance
3. TravelSafe Insurance, including the option of canceling for any reason and getting either 75% or 90% refunded. Click on this link to go to the TravelSafe site. Select "vacation insurance" if you want either the standard coverage or the 75% reimbursement where you can cancel for any reason; select "premier" if you want the 90% reimbursement where you can cancel for any reason. TravelSafe
4. We can also offer you a way to do a comparison of many coverages. We can link you to a website where you can select the type of insurance you want, the level of coverage you want, and then purchase the policy that best meets your needs. Just click here. You may not need as much medical coverage as the standard policies provide, or you may not want the baggage/baggage delay coverage. You may find insurance here that has lower coverages than Travel Insured, TravelSafe or Travelex and that is more affordable for you.
5. Finally, WorldNomads.com travel insurance cover residents from over 150 countries. It is designed for independent and adventurous travelers, up to the age of 65 (depending on country of residence. North Americans are covered up to the age of 66). The coverage includes overseas medical, evacuation, baggage and a range of activities. You can buy, extend and claim online, 24/7, even if already traveling. You received coverage for a range of adventure activities plus access to travel safety information, language guides and free hosted online travel journals to share your adventures with friends and family. This gives you adequate medical and medical evacuation coverage, with a limit on trip cancellation coverage of $5,000. It applies for adventure activities and for trips originating outside the US.
