Overcoming Travel Insurance Objections: With Arch RoamRight

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When it comes to travel insurance, many people initially feel hesitant or uncertain about its benefits. However, travel insurance can be a trip-saver when things go wrong, offering financial and logistical support that no one plans to need but can be essential. Any luxury travel advisor could go on and on about the stories of travelers who should have booked the travel insurance and regretted not.

With the holiday season approaching, securing travel insurance is more essential than ever. Busy airports, seasonal weather delays, and unexpected cancellations can quickly disrupt even the most well-planned trips. Snowstorms, flight overbookings, and even lost luggage are common occurrences during peak travel times. A good travel insurance policy can provide peace of mind, covering potential delays, missed connections, and even offering reimbursement for unexpected costs due to weather-related interruptions. Protecting your trip with insurance can make all the difference in ensuring a smooth holiday journey. So, let’s dive into some common misconceptions about travel insurance and explore real scenarios where it has provided peace of mind and security.

1. “We don’t plan to cancel.”

It’s true—most people don’t plan to cancel or interrupt their trip. However, travel insurance is designed to cover the unpredictable, from unexpected illness to family emergencies. Imagine booking a long-awaited trip only to face a sudden health issue days before departure. Without insurance, travelers risk losing their entire investment. Travel insurance with cancellation coverage steps in here, providing a safeguard so that if something unexpected happens, your hard-earned vacation funds are protected.

2. “We’re going no matter what.”

Sometimes, travelers are determined to embark on their trip regardless of circumstances. However, what if you’re forced to cancel or alter your plans due to events entirely out of your control? For example, if a loved one falls ill just before your trip, the choice to proceed with your travel plans becomes complicated. Or, consider the impact of a travel provider’s financial troubles—if a cruise line unexpectedly goes bankrupt, travelers are left with no recourse if they don’t have the right insurance coverage in place. Or, what if you are in destination and the airline misplaces your luggage? Most insurance companies will reimburse clothing and/or shoes purchases until the luggage is returned. From personal experiencing, this happened to my family while traveling to Croatia and when we were unable to get our bags for 4 days with swimming, hiking, and tours already booked. Thankfully, we were able to purchase necessary items and were reimbursed. Here, trip interruption and cancellation insurance provide the support needed for unforeseen events, allowing for a smoother rescheduling or refund process.

3. “My health insurance covers me abroad.”

While some may assume their domestic health insurance will cover them internationally, this is not typically the case. Many domestic plans do not provide any coverage outside their own network, and even out-of-state travel can lead to out-of-network charges. For example, if a traveler has an accident while exploring a remote area in another country, the cost of treatment can be staggering without proper insurance. Travel insurance policies like those from Arch RoamRight often include primary medical coverage, giving travelers the security of knowing they’re covered if they require medical care during their trip. This is especially valuable if the need for a medical evacuation arises, which can be extraordinarily expensive when coordinated independently, you won’t want to be paying for this out-of-pocket. Having the extra health insurance coverage when traveling with elderly individuals with keep you at easy during you travels.

4. “I don’t need the pre-existing conditions waiver.”

Even travelers who are in perfect health might benefit from a pre-existing condition waiver, especially since it extends to non-traveling family members. For example, if a traveler’s parent or sibling experiences a health emergency, this could impact the trip plans—even if that individual wasn’t joining the trip. Without the waiver, the condition might not qualify for cancellation coverage, but with it, the traveler can cancel or adjust their plans without taking a financial hit.

5. “I’m covered by my credit card’s insurance.”

Credit card coverage can be useful, but it often falls short compared to dedicated travel insurance. Card benefits vary widely, with coverage typically limited to the cardholder and requiring full trip payments through the card to activate certain protections. Furthermore, some credit cards only offer assistance services rather than actual financial reimbursement for claims. A dedicated travel insurance policy is more comprehensive and can cover all travelers in the group. If your clients wish to compare, consider suggesting they review their card’s policy details against those of a reputable travel insurance provider.

6. “Supplier insurance is enough.”

Many travelers are swayed by supplier insurance due to its seemingly lower costs, but these policies often come with limited medical benefits, usually as secondary coverage. This means travelers would need to file with their domestic health insurance first, which can delay access to benefits. Supplier coverage typically only applies to the specific arrangements booked with that company, leaving independent portions of the trip without protection. Pairing supplier coverage with a broader policy can help ensure travelers are covered for medical emergencies and additional risks.

7. “It’s too expensive.”

Though some travelers find insurance costly, its value can be significant in the face of unexpected events. If cost is a concern, some companies offer flexible payment options, allowing travelers to insure the deposit initially and add coverage as payments are made. This approach makes coverage more accessible, locking in time-sensitive benefits like pre-existing condition waivers.

8. “Insurance doesn’t work.”

For travelers who may have had a negative experience with insurance in the past, it’s helpful to understand the policy and what’s covered. With adequate documentation and understanding of what is and isn’t covered, travel insurance can be an effective safety net. Knowing they have a plan to manage unexpected medical costs, cancellations, and trip disruptions gives travelers confidence to enjoy their trips fully.

Travel insurance serves as a crucial partner for travelers, ensuring they’re equipped to handle the unpredictable. At Boutique Travel Advisors, we recommend travel insurance from trusted providers like Arch RoamRight, who offer policies tailored to various travel needs and help our clients travel with peace of mind. Travel should be a time to explore, relax, and create memories, not a time to worry about “what ifs.” Let us help you find the best coverage to make your next adventure worry-free.

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