Now that you have booked your clients trip to Costa Rica, Costa Rica Dream Adventures wanted to remind you of the importance of travel insurance.

CRDA provides travel insurance through MH Ross that offers plans with benefits to protect the cost of your travel arrangements; your clients and their belongings.

 

Why Buy Travel Insurance?

Travel insurance is designed to cover both you and the cost of your travel arrangements against a variety of unforeseeable reasons that may affect you or your travel plans.

Emergencies happen when you least expect it. Travel insurance provides coverage for Trip Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Travel Delay and much more. Plus, Costa Rica Dream Adventures offer their exclusive One Call 24-hour Traveler Assistance Service to help you with emergency situations that arise during your or your clients trip.

Many travel products are non-refundable, and the best airline and cruise deals usually come with few options if you can’t actually take your trip. Last week the airline joyfully booked your flight. This week it declared bankruptcy. Last month you reserved space on a Caribbean cruise. A few weeks later a family member became critically ill.

 

Why buy Cancel for Any Reason Protection?

Travel insurance policies do not cover a change of mind or other similar discretionary reasons. Cancel For Any Reason gives the traveler freedom to cancel a trip any reason whatsoever (generally 2 days or more before the scheduled departure date) and be reimbursed for a percentage of the cancellation penalty amount (such as 75% or 80%). Of course, if a trip is canceled for a covered reason, then reimbursement would be at 100% of the cancellation penalty amount under the Trip Cancellation Benefit.

Cancel For Any Reason is time sensitive and must be purchased within a specified period (generally within 15 days of the date of the initial deposit for the trip). Remember, unlike covered reasons such as sickness or injury, you do not receive reimbursement for your entire cancellation penalty amount.

 

What is a Pre-Existing Condition?

In simple terms, a pre-existing medical condition is a sickness, injury or other medical condition for which a person receives diagnosis, treatment or advice during the 60 day period prior to your coverage effective date. Conditions controlled solely through medication, without a change in dosage, are not considered to be Pre-Existing Conditions.

 

What if I take medication for a condition like high blood pressure? Would this be considered a Pre-Existing Medical Condition?

If your condition is stable and controlled, and your medication remains unchanged, throughout the 60 day pre-existing period, this would not be considered a pre-existing medical condition.

 

How do I determine the correct amount of insurance to buy?

You should insure total the cost of all of your non-refundable air, land or cruise travel arrangements. Fully refundable arrangements (i.e. without any penalties or restrictions) need not be insured. For example, many first-class airline tickets, and some business class tickets are fully refundable. You should only buy travel insurance for prepaid and non-refundable travel arrangements.

Non-cash transactions such as use of frequent traveler awards, early bird discounts etc, generally cannot be covered as these items have no cash value.

You should always insure the full cost of any prepaid, non-refundable travel arrangements, as there will be additional limitations and exclusions if you insure less than the full cost of your non-refundable travel arrangements.

 

When is the best time to buy insurance?

For a variety of reasons, it is prudent to purchase travel insurance when you first book your trip (i.e. make your first payment for travel arrangements). Why? Most travel insurance policies contain one or more-time sensitive provisions that broaden coverage.

The time sensitive provisions which are included in most of CRDA plans apply to several coverage enhancements, such as waiving of the Pre-Existing Conditions Exclusion and the Cancel For Any Reason Benefit.

It is generally a mistake to wait until final payment for your trip to purchase travel insurance, because by buying earlier you receive better coverage at the same price.

 

When does my policy go into effect?

Under the Trip Cancellation Benefit, coverage begins for events occurring the day after you have purchased a plan. For all other benefits, coverage begins when your covered trip commences.

 

What happens if I have obtained my ticket by using frequent flyer points?

The Trip Cancellation Benefit does not cover the value of the frequent flyer points. However, you are still able to insure the non-refundable tax portion, any upgrade costs and re-banking fees.

 

Can I cancel my policy if after reviewing it, I am not satisfied?

You can cancel and return your policy within the 10-day free look period and receive a complete refund. Generally, the Enrollment Processing Fee is not refundable.

 

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