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Travel Insurance: Do you Need it Anyway? by Dyman Associates Group of Companies Insurance Products

Travel Insurance: Do you Need it Anyway? by Dyman Associates Group of Companies Insurance Products | Dyman and Associates Insurance Group | Scoop.it

After a winter filled with cancellations and delays helped to drive travelers to buy more insurance, the question remains: Is it worth the potentially high extra cost?

 

For heavy travelers, this past winter was anything but a fun one. Delays and cancellations were common across the country, due in part to an unpredictable Mother Nature.

 

It was also costly, with an estimated $5.3 billion in lost productivity and out-of-pocket costs from December 1, 2013, to February 28, 2014, according to a MasFlight study from March.

 

According to Skift, those interruptions apparently led many travelers to buy insurance from companies such as Allianz Travel Insurance, which reported a 25 percent increase in consumer sales so far in 2014.

 

“A significant portion of that rise can be attributed to consumers’ increased awareness of the need to purchase travel insurance during severe weather,” Allianz’s Daniel Durazo told Skift.

 

But whatever the reason, is buying travel insurance worth it? Some considerations:

 

The price tag: According to the Insurance Information Institute, trip-cancellation insurance adds 5 percent to 7 percent to the cost of a trip, but it covers you in case factors outside of your control cause complications. There are less expensive options, such as waivers, but they offer travelers far more limited wiggle room.

 

What if you get sick? If you’re traveling, there’s always a chance you might face some sort of illness—and a form of travel health insurance might come in handy. The Centers for Disease Control and Prevention notes the policies don’t cost too much and, depending on where you’re going, could be a big help. “Domestic insurance policies may not cover medical evacuation from a resource-poor area to a hospital where definitive care can be obtained, which can cost more than $100,000,” the CDC writes on its website. “Frequent travelers may want to consider purchasing annual policies or even policies that will provide coverage for repatriation to one’s home country.”

 

Other kinds of coverage: MSN Money notes that other kinds of insurance may be less valuable, depending on your situation. For example, baggage protection—which costs about 5 percent of the price of the items you’re protecting for a year of coverage—might be important if you’re carrying valuables. However, if you’re carrying less than $3,400 worth of stuff, it may not be necessary. U.S. law requires airlines to insure lost baggage up to that amount for domestic flights, though if you’re going overseas, additional coverage is available. And while accidental death and dismemberment coverage is available, you probably don’t need it if you have life insurance.

 

View source link:

http://associationsnow.com/2014/04/travel-insurance-need-anyway/

 

Additional Reading:

 

https://www.facebook.com/dymanassociatesinsurance

 

https://medium.com/dyman-associates-insurance-group

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Dyman and Associates Insurance Group: Insurance Products

Dyman and Associates Insurance Group: Insurance Products | Dyman and Associates Insurance Group | Scoop.it
The Dyman and Associates Insurance Claim Department is included as an award-winning?team of insurance in the world. Rest assured that professionals will be there when you need at?any cost at any time you needed them.
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Dyman and Associates Insurance Group

 

Business Insurance

 

Do you own a business? Is it running and doing successfully? Wanting a company that works for your business as diligent as you are? No need to worry and choose Dyman and Associates Insurance. We will assure you that you have chosen leading Business Insurance. We work hard for every costumer and our policies are designed for every customer’s ideas in mind.

 

Auto Insurance

 

Doubtful or every car insurance and wasn’t sure where to turn to you or maybe not sure what company wants you? No need to worry and chooses Dyman and Associates Insurance Auto. We dedicate ourselves to in policies that are tailored in the sense of your liking.

 

Home Insurance

 

Are you unsure of who to turn to for homeowners insurance? Not sure what company wants you? No need to worry and choose Dyman and Associates Insurance Homeowners. We concentrate in policies that are base from what you desire.

 

Motor Home Insurance

 

Are you still doing the hassle of drive your motor home down to the local coffee shop and back? You need not to do it again, why not just you insure your rig with a policy meant for an everyday automobile? Dyman and Associates Insurance present to you specialized Motor Home Insurance with polices tailored in the sense of your liking.

 

Fifth-Wheel Insurance

 

You are most likely not driving your fifth-wheel to the grocery store and back? Then there is no sense of insuring your rig with a policy meant for an everyday automobile, right? Dyman and Associates Insurance offer specialized Fifth-Wheel Insurance that is base from what you desire.

 

Travel Trailer Insurance

 

We are quite that you do not tow your travel trailer along with you to the grocery store and back. Then it isn’t wise to insure your rig with a policy meant for an everyday automobile. Dyman and Associates Insurance concentrate in Travel Trailer Insurance with policies that are base from what you desire.

 

Luxury Motor Coach Insurance

 

We bet you do not drive your luxury motor coach in rush hour traffic to work every day. And it is only proper that your coach should be insured with an insurance company full of luxury motor coach experts. Dyman and Associates Insurance offers are concentrated with Luxury Motor Coach Insurance with polices tailored in the sense of your liking.

 

Mobile Home Insurance

 

Who doesn’t like to be served by the number 1? We assure you that Dyman and Associates Insurance is the #1 market leader for Mobile Home Insurance in the nation.

 

Vacant Home Insurance

 

Only people not in the right mind would want to throw their money so where is the sense in getting insurance to the company that asks you to insure a home for longer than needed? Choose Dyman and Associates Insurance Vacant Home Insurance where we offer pro-rated cancellation to save you money.

 

Landlord and Rental Home Insurance

 

You are probably wouldn’t want to try to fit a square peg in a round hole. At Dyman and Associates Insurance, we don't fit square pegs in round holes; we listen to your requests and your desires. You can customize your package to fit your needs using our Landlord and Rental Program.

 

Seasonal Home Insurance

 

Covering your vacation home with a policy that isn't right is a bad idea. Then picking a company that doesn't specialize in Seasonal Home Insurance is a bad idea as well. Dyman and Associates Insurance focuses in Seasonal Home Insurance and offers flexible coverage’s.

 

Motorcycle Insurance

 

Insure your bike with a company that knows insurance or a company that knows Motorcycles Insurance and Dyman and Associates Insurance knows insurance, we know our bikes, we sponsor racers and we employ motorcycle enthusiasts.

 

Off-Road Vehicle Insurance

 

We sure do hope you do not jump on your dirt bike when you wake up, drive it down the stairs to your kitchen and grab some coffee. Do not insure your Off-Road Vehicle (ORV) with a policy meant for your home. Dyman and Associates Insurance offers specialized ORV Insurance with polices that are customized with you in mind.

 

Scooter Insurance

 

Driving your scooter around your home, taking the turns in the hall slowly and parking it in front of the television like a drive-in movie is sure to be a bad idea after all and it would be a bad idea as well if you insure it with a policy meant for your home. Dyman and Associates Insurance offers specialized Scooter Insurance with polices that are customized with you in mind.

 

Golf Cart Insurance

 

No you’re not driving your golf cart into your laundry room, pack up all the clean clothes, and drive it back to your bedroom to fold, we are sure of that. So where is the sense of insuring it with a policy meant for your home? Dyman and Associates Insurance offers specialized Golf Cart Insurance with polices that are customized with you in mind.

 

Neighborhood Electric Vehicle Insurance

 

Did you ever wonder what the right insurance is for your Neighborhood Electronic Vehicle? Don't let your adventure be cut short because you didn't get the right coverage for your ride. That's why foremost offers specialized NEV Insurance.

 

Snowmobile Insurance

 

You shouldn’t insure your snowmobile with a policy meant for a home. Dyman and Associates Insurance offers specialized Snowmobile Insurance with polices that are customized with you in mind.

 

Personal Watercraft Insurance

 

Dyman and Associates Insurance offers specialized Personal Watercraft Insurance so you won’t mess with your adventure be cut short because you didn't get the right coverage for your summer fun.

 

Boat Insurance

 

Do not insure your boat with a policy meant for a home because Dyman and Associates Insurance offer specialized Boat Insurance with polices that are customized with you in mind.

 

Collectible Auto Insurance

 

Do not insure your Collectible Auto with a policy meant for a home because Dyman and Associates Insurance offer specialized boat insurance with polices that are customized with you in mind.

 

Flood Insurance

 

Don't think it's going to happen to you, we cannot be sure. We hope not but Flood Insurance is a smart idea no matter where you live and Dyman and Associates Insurance offers specialized Flood Insurance.

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