Travel Insurance

The Importance of Travel Insurance

When planning a trip, whether it's a short vacation or an extended journey, travel insurance should be a top priority. While some people may consider it an unnecessary expense, having the right travel insurance policy can be a lifeline in unforeseen circumstances. It provides peace of mind and financial protection against a wide range of risks that can arise during travel. It is especially important when booking your Belloise Realty Vacation Rental, as all reservations are non-refundable.

No refunds or reimbursements are considered for any reason. This includes sickness, travel delays, changes in plans, and hurricanes. Travel insurance is there to protect your reservation funds, so if you need to cancel or can’t make your trip, you won’t lose your money! Below we have listed a few reasons why you should consider opting into travel insurance at your time of booking.

Belloise Realty has partnered with Red Sky’s Sun Trip Preserver to offer a great value in comprehensive travel insurance coverage.

Sun Trip Preserver Highlights

  • Up to $100,000 reimbursement for rental costs

  • $200 per day ($750 maximum) for expenses related to trip delay such as hotel accommodations

  • Emergency medical expense and emergency medical evacuation coverage

  • $1,000 baggage delay coverage

Trip Preserver may reimburse for cancellation or interruption due to

  • Events prompted by a named hurricane or other natural disaster

  • Your destination vacation home is rendered uninhabitable by a natural disaster

  • Your primary residence or your traveling companion’s primary residence is rendered uninhabitable by a natural disaster

  • Sickness, injury or death of you, a family member, a traveling companion or a service animal

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Benefits of Travel Insurance

Medical Emergencies

One of the primary reasons to have travel insurance is to cover medical emergencies. Falling ill or getting injured while traveling can be a stressful experience, especially if you're in a foreign country. Having travel insurance ensures that you can receive timely and adequate medical treatment without worrying about exorbitant medical bills. Additionally, travel insurance may also provide emergency medical evacuation services if necessary, ensuring you receive the best possible care and transport back home if required.

Trip Cancellation or Interruption

Sometimes, unforeseen events may force you to cancel your trip. It could be due to personal reasons, such as the illness of a family member or a major event at home, or external factors like natural disasters, political unrest, or airline strikes. In such situations, travel insurance can help recover the non-refundable expenses you incurred, such as flight tickets, accommodation, or tour fees. It acts as a financial safety net, allowing you to reschedule your trip or recover a portion of your investment.

Lost or Delayed Baggage

Imagine arriving at your destination, only to discover that your luggage with all your belongings is lost or delayed. It can be a frustrating and stressful situation, but travel insurance can offer relief. Most travel insurance policies cover the loss, theft, or damage of personal belongings, including baggage. Some policies also provide reimbursement for essential items and clothes purchased due to baggage delays.

Emergency Assistance and Travel Support

Travel insurance is more than just financial protection; it also provides access to 24/7 emergency assistance services. If you find yourself in a difficult situation while traveling, such as losing your passport or facing legal troubles, your travel insurance provider can offer valuable guidance and support. They can help you navigate unfamiliar legal systems, locate the nearest embassy or consulate, and arrange necessary services, such as translation or cash advances.

Peace of Mind

Perhaps the most significant advantage of travel insurance is the peace of mind it brings. Traveling can be an exciting adventure, but it also involves inherent risks. Knowing that you are protected against unforeseen events and have a support system in place allows you to fully enjoy your trip without worrying about the what-ifs. Travel insurance provides a safety net that shields you from unexpected financial burdens, allowing you to focus on creating cherished memories and exploring new destinations.

Frequently Asked Questions

  • Our travel insurance is offered through Red Sky’s Trip Preserver. The cost is 7.75% of your reservation total and can be purchased at your time of booking. If you decide later to purchase travel insurance, you must do so before your final payment and 60 days prior to your arrival.

  • Red Sky's Trip Preserver plan may help protect you before your departure, during your trip, and on your return home, covering a range of unforeseen events that could cancel or interrupt your travel plans. Coverage includes trip cancellation, trip interruption, travel delay, baggage delay, lost or stolen personal items, emergency accident and sickness medical expense and emergency evacuation, and 24-hour travel assistance services.

  • If you are filing a medical expense claim or a trip cancellation or trip interruption claim that is due to a medical situation, you will need to obtain a written statement from your physician.

  • Trip cancellation coverage may include financial reimbursement for your prepaid, non-refundable vacation rental costs when an unforeseen, covered event causes you to cancel your trip.

  • Trip interruption may include financial reimbursement for your unused, prepaid travel expenses and/or the additional airfare to return home, when an unforeseen covered event, from which you are protected under your plan, causes you to cut short your trip and return home ahead of schedule. This unforeseen covered event must occur after your plan effective date.

  • If You incur and accidental injury while on your trip or a sickness that first manifests itself during your trip, you may be eligible for reimbursement of your covered medical expenses up to the maximum benefit amount in your plan.

  • The Trip Preserver plan may protect you by providing reimbursement for pre-paid, non-refundable trip deposits in the event the trip is cancelled or interrupted if a mandatory evacuation due to a named hurricane or other natural disaster causes you to have only 4 days or 50% or less of your trip length remaining at the time the mandatory evacuation ends; or if the roadways are closed due to a natural disaster preventing you from reaching your destination.

    If you choose to not occupy a property because of a voluntary evacuation, you will not receive a refund. Only mandatory evacuations are covered.

    Note: Travel insurance must have been purchased before a weather event became foreseeable to be eligible for coverage.

  • Coverage may be provided if your trip is cancelled due to your destination accommodations being rendered uninhabitable due to a named hurricane or natural disaster such as a tornado, flood or fire. This benefit is only available for trips occurring within 30 days after the named hurricane or event makes your destination accommodations uninhabitable.

  • Family Member means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, Caregiver, or Child Caregiver.

  • The best time to purchase the plan is when you make your initial trip deposit. To qualify for the pre-existing conditions exclusion waiver, the plan must be purchased within 21 days of your initial trip deposit.

  • All claims forms are available online by clicking the “File a Claim” button on https://www.trippreserver.com. There, you can also find required documents listed on each claim form, which can be used as a convenient checklist for submitting your claim. If you need further information please call Trip Preserver at 1-866-889-7409 and one of their claims representatives will be happy to assist you.