Emergencies happen when you least expect them, especially while travelling!

Face it, accidents happen, and as a traveler, you can prevent the costly outcome by protecting yourself with the purchase of a travel insurance policy.

Coverages that EVERY TRAVELER should consider for your trip that our travel protection plans can cover, plus more!

• Pre-Existing Medical Conditions Waivers * 
• Cancel for Any Reason Options * 
• Trip Cancellation for Medical, Family Emergencies and Natural Disasters
• Emergency Medical and Dental Expenses
• Emergency Medical Evacuation Transportation 
• Travel Delays
• Trip Interruptions
• Missed Connections
• Baggage and Personal Effects for Loss, Damage and Delays
• Telemedicine
• Kennel Coverage for Delays
• Accidental Death and Dismemberment for a Travel Accident
• Rental Car Damage
• Financial Insolvency of a Travel Provider
• 24-hour Travel & Assistance Service to help you with emergency situations that arise during your trip.

* Pre Existing Medical Coverage Disclaimer: Requirement for coverage varies for each company: 

• Generali Insurance: Must be purchased prior to or within 24 hours prior of Final Payment
• IMG Travel Insurance: Must be purchased within 14 days of your Initial Deposit.
• Travel Safe Insurance: Must be purchased within 21 days of your Initial Deposit.

* Cancel for Any Reason Benefit Disclaimer: Must be purchased at time of Initial Insurance Purchase

Many travel arrangements are non-refundable, and the best airline and cruise deals may only provide few options if you must cancel your trip due to covered reasons. 

Your personal medical insurance may provide little to no coverage when traveling abroad.

These situations are becoming more and more common in today's travel world!

Quick note on travel insurance offered by cruise lines, tour operators, all-inclusive resorts etc. Most of their policies are typically more expensive, secondary coverage policies and tend to be difficult when making a claim.

Primary Coverage vs Secondary Coverage

While not all travel insurance and travel insurance companies are created equally, we believe that the companies we represent give you the best options to choose from, whether being Primary or Secondary coverage policies, we have both types of policies represented.

Choosing between purchasing a primary or a secondary coverage should depend on several factors, including but not limited to your personal health insurance, destinations, and risk tolerance.

PRIMARY COVERAGE EXPLAINED:

Primary Coverage Policies, yes while more costly, pay out first, no matter what type of any other insurance you may have. If you incur a covered medical expense while traveling, the primary travel insurance provider processes and reimburses you directly without requiring you to file a claim with your primary health insurance first.

FACT:

Primary Coverage Policies tend to have a faster claims process due to not having to wait for your personal health insurance provider to respond. You do NOT need to contact your personal health insurance provider and reduces the hassles of working with multiple insurance companies, claims and extra paperwork.

SECONDARY COVERAGE EXPLAINED:

Secondary Coverage Policies, which are less costly, and require you to file a claim with your own primary health insurance company before filing through your travel insurance provider. 

Your primary health insurance company may cover some or none of the claim. In this kind of scenario, the travel insurance provider can cover the remaining covered eligible expenses up to the policy limits and the maximum amounts your choice of insurance will cover for a specific claim, if it’s within the policies coverage benefits.

FACT:

Secondary Coverage Policies are less costly than primary coverage policies yet still provide financial protection for costly medical expenses. Secondary Coverage Policies also require additional paperwork and coordination with your personal health insurance provider; your reimbursement may be delayed and could be subject to out-of-pocket costs like deductibles and coinsurance

We urge you to click the "Get A Quote" Links below to compare our represented company's policies and find the policy that best suits your needs.

TRAVEL INSURANCE COMPANIES REPRESENTED BY THE CRUISE SHOPPE OF BOULDER

Please remember that Primary coverage polices are more expensive than Secondary coverage policies but are also more effective and easier to make a claim should you require to make one.