The Ultimate Guide to Holiday Travel Insurance

As the holiday season approaches, many of us look forward to festive travels, whether you’re visiting family, exploring a winter wonderland, or taking a much-needed vacation. However, holiday travel also brings risks like flight cancellations, winter weather delays, and medical emergencies. Protecting your plans with the right travel insurance can ensure peace of mind during the busiest time of year. If you’re planning multiple trips throughout the year, an annual multi-trip policy can be a convenient and cost-effective option. It takes the stress out of last-minute panic, ensuring you’re covered without needing to arrange insurance for every trip. Here’s everything you need to know about holiday travel insurance and why it’s essential for your next trip.

What Does Holiday Travel Insurance Cover?

• Emergency Medical Coverage: Receive up to $10 million in coverage for unexpected medical emergencies, including hospital stays, surgeries, and prescription medications while travelling.
• Trip Cancellation and Interruption: If your holiday trip gets cancelled or cut short due to covered reasons, you’ll be reimbursed for non-refundable expenses like flights, hotels, and activities.
• Baggage Insurance: Compensation for lost, stolen, or damaged luggage, significant when carrying gifts and personal items during the holidays.
• Rental Car Coverage: Protect yourself from paying out of pocket for damages to your rental vehicle.
• All-Inclusive Travel Insurance Plans: A convenient option that bundles medical, baggage, and trip interruption insurance into one policy.
• Cancel for Any Reason (CFAR) Coverage: Provides the freedom to cancel your holiday trip for reasons not typically covered in standard insurance plans, offering ultimate flexibility.
• Winter Sports Coverage: Planning a ski trip? Get additional coverage for snowboarding, skiing, and other winter sports activities.
• Emergency Air Evacuation: This covers the cost of medical air evacuations if you must be flown home due to a severe illness or injury.

Why Is Holiday Travel Insurance Important?

The holiday season is the busiest time for airports and travel hubs, which increases the likelihood of flight delays, cancellations, and missed connections. Harsh winter weather can disrupt your travel plans at a moment’s notice. Plus, with the increased stress of holiday travel, medical emergencies are more common. Having comprehensive holiday travel insurance protects you from these potential setbacks, giving you the freedom to enjoy your vacation stress-free.

Factors That Influence the Cost of Holiday Travel Insurance

Several factors determine the price of travel insurance, such as:

• Traveler’s Age: Older travelers typically have higher insurance premiums due to increased health risks.
• Number of Travelers: Policies for multiple travelers will increase the cost.
• Health Conditions: Pre-existing medical conditions may require special coverage.
• Destination: Certain destinations may have higher medical costs or travel risks, impacting your insurance rate.

To get the trip policy, consult with one of our trusted travel insurance brokers to find coverage that fits your budget and needs.

How to Choose the Best Holiday Travel Insurance Policy

Before you purchase travel insurance, think about your specific needs. If you’re planning multiple trips throughout the year, an annual multi-trip policy can be a convenient and cost-effective option. It takes the stress out of last-minute panic, ensuring you’re covered without needing to arrange insurance for every trip. Are you taking one-holiday trip or planning multiple trips throughout the year? Do you need winter sports coverage? Consider your health status and review available options with a broker to ensure you have the right coverage for your holiday travels.

Pro Travel Tips for the Holiday Season

• Utilize TUGO’s Wallet App: Keep your travel insurance policy details accessible on your smartphone for quick access on the go.
• MYFLYT: Register your flight for trip interruption coverage and get $40 if your flight is delayed for more than two hours.
• Online Policy Access: Manage your travel insurance policy easily through my.tugo.com, allowing you to view and update your coverage from anywhere.
• Emergency Call Button: In the event of an emergency while travelling, the TUGO wallet app includes an emergency button for immediate assistance.

By planning ahead with an annual policy or purchasing the right holiday travel insurance, you can confidently enjoy your holiday adventures, knowing you’re protected against unexpected interruptions and emergencies.

Want to learn more about your holiday travel insurance options? Fill out the form below or call 1-866-674-2816 ext. 805 to speak with one of our trusted brokers and get a customized quote today.