How to Protect Your Beach Vacation With Travel Insurance
Let's face it, a vacation represents a big investment of your family's time and money. Unfortunately, every year vacations are interrupted by unforeseen events. One way that can help protect your vacation investment is by purchasing travel insurance. This week we have answers to all your questions about affordable travel insurance and why it is a great way to protect your beach vacation investment.
Three Common Questions Answered
How much does it cost?
Travel insurance premiums are calculated as a percentage of the value of your vacation rental lease. Because of this, no two policies are the same price. The percentage is only a fraction of your total contract. However, given all the things travel insurance covers, it is a great value.
When should I purchase travel insurance?
There are certain restrictions regarding the purchase date of travel insurance. For example, you cannot buy travel insurance once a storm or other event is known. The best advice is to purchase your travel insurance at the time you book your vacation.
Who provides the coverage?
Williamson Realty Vacations does not administer travel insurance. The policies we offer are underwritten and administered by Generali Global Assistance. Generali Global Assistance is an industry-leading travel insurance company backed by years of experience. You can be assured they’ll be there just like we will when you need us most. You can be assured they’ll be there just like we will when you need us most. For more information, email us at [email protected] or call 866-642-5889.
10-Day Free Look
General Global Assistance is committed to providing you with the best possible service. That’s why if you need to cancel your plan, they offer a refund of your plan cost as long as you cancel your insurance within 10 days of purchase and have not filed a claim or departed on your trip.
I heard a storm is coming. Can I still buy travel insurance?
While there is a wide window of time to purchase travel insurance, there are certain events that prevent you from purchasing coverage for your trip. One of those is the naming of a storm. For illustration purposes, let's assume you booked a beautiful Ocean Isle Beach vacation for early September, but you decided not to purchase travel insurance. About a week before your vacation you discover there is a hurricane that is out in the Atlantic with a possible landfall on the North Carolina coast. The storm has been named Holly. Because the storm has been named and is considered a known event, you can no longer purchase travel insurance to cover the effects of the storm.
What are the benefits of travel insurance coverage?
Of course, the main question everyone wants to know, is what exactly does travel insurance cover? While each policy is different, below you'll find the highlights of what our travel insurance typically covers. Remember coverage is subject to change so it is important to review your policy at the time of purchase for specific coverage questions.
Identity Theft Protection- We all hear about it and hope it never happens, but in this age of technology it is often a reality. Travel insurance offers several ways to assist you should you be a victim of identity theft.
Roadside Assistance- Nothing is worse than a breakdown while trying to get to your well-deserved vacation. Travel insurance offers certain roadside assistance benefits and even covers overnight lodging if your car breaks down on the way to Ocean Isle Beach.
Sporting Equipment Coverage- Don't miss a day on the links or that perfect wave because of lost or delayed equipment. If your sporting equipment (golf clubs or surf boards for example) are lost or stolen or even delayed for over 24 hours, your policy will help find or replace that equipment.
Medical/Dental Expenses- Unplanned medical or dental expenses can put a significant dent in a family budget. With travel insurance some of these expenses (up to a $1,000) may be covered.
Teledoc- Connect instantly with a network of physicians for information, advice and treatment, including prescription medication, when appropriate.
Closed Attractions- Coverage applies if the golf course or amusement park at your destination has to close at least half of its attractions because of severe weather or mechanical breakdown.
Want to learn more about specific details of our travel insurance coverage? Click on the link below for all the coverage details.
Special note about COVID-19 coverage
While we cannot guarantee your claim will be approved, as this blog is only for general information, we can assure you that our polices do offer certain benefits for trips canceled because of COVID-19. If you do not purchase travel insurance there is no other coverage or compensation available for bookings canceled due to COVID-19 or severe weather.
In general our plans do provide coverage if you, a family member, or a traveling companion contract COVID-19 and plan requirements are met. One important note is that fear of COVID-19 is NOT a covered loss.
There is still plenty of time to book a great late summer or early fall vacation. With many schools not returning to traditional classes, it is even possible to take the kids on a late season vacation. Take advantage of our vacation rentals (majority) having Wi-Fi. Let the kids study in the morning and hit the beach in the afternoon. Call us today at 800-727-9222 or click the button below to book your beach vacation today.