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Honeymoon Travel Insurance

Should You Buy Honeymoon Travel lnsurance?

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Honeymoon travel can be expensive. And like most valuable investments, it's worth considering buying insurance to cover it. The two major travel insurance carriers are AccessAmerica and Travel Guard.

The largest carrier, Travel Guard sells some six million travel insurance policies a year. Most are short-term, simply covering the period of a honeymoon or vacation. On the Travel Guard website, you can get a price quote and buy online (offsite link).

According to Beth Godlin of Access America, "Travel insurance costs about 5% to 7% of the trip. This relatively small investment helps couples buy peace of mind in an economical way." In addition to serving honeymooners, Access America travel insurance can also cover domestic partners on their celebratory vacations.

Godlin advises, "Think about the concerns you have. Look into coverage that will reimburse you if you have to cancel or interrupt your trip for an unforeseen reason, like a sudden illness or a travel company bankruptcy."

What Does a Travel Insurance Policy Cover?

Different companies offer different benefits, and it is essential to read and understand all the small print before buying a travel insurance policy. It is also advisable to compare the prices and benefits of a few companies before selecting a travel insurance carrier.

"Consider protection for delays due to missed connections and for personal belongings such as lost or stolen baggage," suggests Godlin. "If you are traveling overseas, look into concierge and emergency assistance services as well as coverage for emergency medical treatment and expensive but necessary medical evacuations."

When considering travel insurance, ask if the policy covers:

  • Bankruptcy of an airline, tour, cruise or other supplier you planned to travel with
  • Trip cancellation and interruption
  • Accidents before or during your honeymoon that might prevent travel
  • Missed connections, travel or baggage delays
  • Emergency assistance.

How Does it Help to Have Travel Insurance When an Emergency Occurs?

"In the event of a medical emergency while overseas, the average domestic health insurance company can be of little or no help," says Matt Girden, president of MyHoneymoonInsurance.com. "Thankfully, most overseas travel insurance companies provide 24/7 phone support that can be called collect from anywhere in the world to coordinate medical treatment, emergency evacuation, and even claims processing."

Buy Travel Insurance Online >

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