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PAGE 216 . EVEN T S W e ddi n g 4 1 1 O n D e m a n d. c o m . PAGE 217PAGE 216 . EVEN T S
care, you will likely be required to pay the costs up front, and then seek reimbursement from the insurer.
• Evacuation Insurance covers the cost of transporting you to a place where you can receive appropriate medical treatment in the event of an emergency. It may not cover injuries sustained while participating in activities such as skydiving, bungee jumping or even scuba diving in some cases. Be sure to carefully review the policy you are purchasing to see what activities are covered.
• Baggage Insurance covers luggage that is lost, damaged or delayed. Most policies place a monetary cap on the reimbursement available for items such as jewelry, eyewear and electronics. Coverage is also available through your airline for lost luggage if you check your bags. Additionally, check with your homeowners’ or renters’ insurance carrier because many valuables, like expensive jewelry, are typically scheduled items on these policies.
In short, take the time to plan in advance and consider all your travel insurance options so you can have a happy honeymoon after all.
honeymoonInsurance For Your by David B. Applefeld, Esq. David B. Applefeld is a member of the Baltimore and
Howard County based law firm, Adelberg, Rudow, Dorf & Hendler, LLC. He focuses his practice on business litigation, insurance coverage and construction law. For more information, contact (410) 539-5195 or [email protected].
Hurricanes, lost luggage and food poisoning are probably not top of mind when planning your honeymoon, but we have all heard the stories. Americans now spend in excess of $1 billion on travel insurance annually to offset the financial risks of their trips.
Travel insurance costs vary greatly, depending upon factors such as age and destination. Travel agents will likely recommend travel insurance, because they can have liability for failing to do so and they receive a commission on the sale. However, travel agents are not insurance professionals, and any specific questions about coverage should be directed to your insurance provider.
Basic travel insurance policies are typically sold in packages, and some of the more common categories of coverage are as follows:
• Trip Cancellation Coverage reimburses you for nonrefundable penalties incurred when you cancel your vacation or flight for an “acceptable” reason, such as illness. If you intend to buy cancellation coverage, you should do so when you book your vacation, because most policies have a cutoff date after which the insurance is no longer available.
• Medical Travel Insurance provides coverage for necessary medical treatment you require while traveling. Check with your insurance carrier to confirm that you have health coverage for medical treatment received outside of the United States. Even if your health plan covers you internationally, you may still wish to purchase a medical travel policy as a supplement to reimburse you for non-covered expenses such as deductibles. Primary coverage is also available to take care of your medical costs up to a certain dollar amount. In emergency situations involving costly procedures, the local hospital will typically bill your travel-insurance carrier directly. For non-emergency
