Travel Smart. Don’t plan your trip without Travel Protection Insurance!

Trip Cancellation and Interruption Insurance:

Travel insurance is highly recommended for all tours including air travel, cruises, international tours, rail and motor coach. Why buy travel insurance? Protection and peace of mind! Cancellations can result in costly penalties. Unforeseen accidents, illnesses, medical emergencies while traveling plus if you lose your luggage, miss a flight connection, and experience delays not only can be frustrating but costly. You can be covered with travel insurance. KTT works with exceptional reputable, customer focused companies that have proven backgrounds. Please call and we will be happy to help assist you with the coverage. It’s very important that you understand the guidelines, schedule of benefits, limitations and type of coverage needed. Pre-Existing conditions may apply but there is some exclusion.  Any coverage purchased is an agreement between the traveler/customer and the insurance company. All conditions of coverage are dependant upon polices when you purchase the insurance and the restrictions and limitations imposed by the insurance company.

Plans Change. Emergencies Happen! It’s best to not leave home without it!

Koinonia Travels and Tours strongly recommend’s that you purchase travel insurance for your own protection.  Purchasing travel protection can minimize monetary loss due to circumstances beyond your control as a traveler such as cancellations, schedule changes, luggage loss, trip delays, illnesses or medical emergency, etc.  Koinonia Travels and Tours work’s with one of the most reputable companies in the business and will be glad to help you with your purchase and helping you understand the details of coverage. Reduce your stress and purchase travel insurance.

Reasons to Purchase Travel Insurance:

1.   Your flight has been cancelled. You miss a flight or cruise.  Who can assist you with finding new flights? 

2.   Your bags are lost and your medication is in your bags.  You need to have an emergency prescription filled. 

3.   Your passport and wallet are stolen, and you need emergency cash and a replacement passport. 

4.   You are involved in an accident and adequate medical treatment is not available.  You need medical evacuation.  

5.   You need to cancel your trip due to illness.  What happens to your non-refundable deposits or pre-payments?

6.   You arrive at your destination, but your luggage doesn’t.  If it’s lost, who will help you find it?  If it’s delayed, who will pay for your necessities?  If it’s stolen, who will pay to replace it?

7.   You cruise line, airline, or tour operator goes bankrupt.  You need your non-refundable expenses covered to get to your destination.

8.   You have a medical emergency in a foreign country.

9.   A terrorist incident occurs in the city where you’re planning to visit and you want to cancel your trip.

10. A hurricane forces you to evacuate your resort, hotel, or cruise. 

Frequently Asked Questions About Travel Insurance

          Q. Why should a traveler buy travel insurance?

           A.  Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.

          Q. What happens if a traveler must cancel their vacation?

           A.  Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.

          Q. How does trip cancellation and interruption coverage work?

           A.  It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.

          Q. What other coverage is typically included in a travel insurance plan?

              A.  In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.

              Q. Does travel insurance cover terrorism?

               A.  Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance can cover terrorist incidents both in the United States and abroad and we prefer working with those who do cover.

             Q. Is the financial default of an airline, cruise line or tour operator covered?

              A.  Many of the retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.

             Q. Does travel insurance plans tailored to specific types of travel?

              A.  Yes. Travel insurance plans offer an array of budgets, from modest trips to high-end   luxury vacations. There are also products for last-minute getaways and extended trips, and specific coverage plans for cruise travelers, golf travelers, students, and sports travel.

             Q. How much does travel insurance cost?

              A.  The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.

       Q. What else is offered with the purchase of a Travel Guard plan?

       A.  To boost travelers' confidence when traveling, most  insurance plans now provide  assistance, which provides 24-hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. Plans also have added assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live- messaging, which will relay any e-mail or phone message to family, friends or business associates.