When major winter storms pass overhead, it usually means trouble for travelers.
Airlines can be forced to cancel thousands of flights that affect travelers throughout the country, hotels may abruptly sell out and cruise ships have to change departure times to get to safe waters.
The good news in the midst of bad weather is that many travelers have some protection from the moment they purchase their trips. Many travel credit cards offer insurance benefits to cover weather-related incidents, including trip cancellation and trip delays.
But that insurance won’t necessarily cover every situation in which you have to cancel or change plans due to winter weather. Experts suggest considering purchasing additional travel insurance to cover the gaps left by a credit card on long trips, trips where medical insurance is required or trips that cost $10,000 or more.
Before buying any travel insurance policy, be sure to understand what coverage is included from your credit card.
Here’s what to look for:
• Are you covered? Coverage depends on how travelers purchase their trip. If it is purchased with a credit card, some travel insurance benefits may already apply. But if they pay by debit card or check, they may not have any coverage without purchasing a travel insurance policy.
And note: “For third-party travel insurance policies, you have to collect receipts and credit-card statements to submit with a claim,” says Steven Benna, marketing specialist at travel insurance website Squaremouth.com.
Read the full USA Today article online here: https://www.usatoday.com/story/money/personalfinance/2018/12/28/travel-insurance-what-look-before-purchasing-trip/2361966002/