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IPS / Lighthouse Insurance Group Blog: travel insurance

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image of family on beach in CaribbeanIf you plan on taking a trip, sometimes things can get in the way of that. No one wants to have to cancel a vacation. But, sometimes circumstances happen beyond our control.

Trip cancellations can mean significant financial losses to those affected. Not only will you likely lose the cost of the trip, you might also lose any financial gains that may have come as a result.

If you have to cancel a trip, there are ways to reduce negative cost effects of the cancellation. Travel insurance is one of those methods. Careful preparation is another.

Travel Insurance for Cancellations

Travel insurance protects policyholders from a variety of financial risks associated with travel. Most travel policies cover instances of trip cancellation.

Cancellation insurance can reimburse you certain costs, depending on the policy. Policies usually cover non-refundable items, like airfare, hotels and other expenses.

Nonetheless, simply cancelling your trip is usually not grounds for a reimbursement. Travel insurance policies require most policyholders to provide verification that the reason for cancellation was beyond the traveler’s control.

Circumstances may include:

  • Injury, illness or death to the insured, family members and certain other acquaintances.
  • Weather damages that cause flight interruptions
  • Jury duty
  • Terrorist or natural disaster damages in the place you will visit
  • Changes in employment that no longer mandate travel
  • Carrier problems, such as if your airline or hotel provider ceases operations

Not every travel insurance policy covers every instance of cancellation. If you have concerns about a potential cancellation, talk to a travel insurance provider. He or she can issue a policy to cover risks you might face that interrupt travel.

Preparing for Cancellations

There are ways that you can work to reduce the risks of cancellations you might encounter on your trip. Doing so poses less of a risk to your travel insurance provider.

Sometimes, airlines issue travel warnings ahead of damaging weather or civil conflict. These are circumstances that are often beyond your control. If you expect developing problems to impact your travel, check with your airline. The airline may waive travel fees to help you re-book on an earlier or later flight. They may also offer reimbursement if circumstances mandate cancellation of your trip. You might be able to use travel insurance to pay for these trip adjustments.

Always use prudence when booking travel. Make sure that your personal affairs are stable enough to warrant travel now. If they aren’t it may be worthwhile not to travel.

Furthermore, use reliable carriers and make sure it is safe to travel to your destination. Unforeseen circumstances always arise, but you can reduce the chances of cancellation by looking ahead.

We’ve got you covered. Insurance Planning Service can help you get a Michigan travel insurance policy that meets your needs. Call us right now at (800) 220-5582.

Posted 9:56 PM

image of passportIf you are planning a big trip, you’ve likely thought about every detail of the experience. You know how you will travel, where you will go and what you’ll see. But have you thought about what would happen if you get ill and cannot continue on your trip? What if you have to go home because a loved one becomes very ill? Travel insurance is the type of investment most people need to have to help reduce the risk of these types of losses. It is unlikely that such an experience will happen, but that doesn’t mean you should take that type of risk, especially when it comes to expensive or longer trips.

How Travel Insurance Helps in Medical Emergencies

Travel insurance is a policy taken out by a person planning a trip to cover their needs during that trip. There are various types of policies available and each one can provide you with some level of financial protection from the risks you face. First, this type of coverage often offers trip cancellation coverage. It will help you when you’ve pre-paid for a trip and it is non-refundable. This type of coverage generally applies to specific instances of risk including:

  • Becoming sick
  • Suffering an injury
  • A death in the family
  • A disastrous weather event, either at home or the travel destination

Keep in mind that this type of policy often does not cover basic illnesses. If you get the flu while you are traveling, and just need a day or two of downtime, it may not provide coverage. However, if your loved one is involved in a life threatening accident, your trip cancellation may apply.

In addition to this, it can help in medical emergencies that happen abroad. For example, it can help you where your existing health insurance does not work. This includes getting medical care where you are and even, in emergency situations, being evacuated when it is deemed necessary.

Travel insurance is a go-to solution for those who get ill or become hurt on a trip. Do not overlook the importance of selecting a comprehensive plan, especially if you are traveling abroad for any type of trip.

Get the coverage you need. Call Insurance Planning Service at (800) 220-5582 for more information on Michigan travel insurance.

TravelerIf you're planning a big, exciting trip, or if you travel frequently, you may want to consider purchasing travel insurance to protect your investment in travel expenses. While a quiet trip to visit family may involve a low financial risk, a trip overseas requires a much larger investment. In order to determine if travel insurance is right for you, let's take a look at a few of the basic things it covers.

Cancellations or Trip Interruptions

Sometimes, unexpected events suddenly present themselves and force people to cancel vacation plans or to terminate a vacation earlier than planned. However, this can lead to extremely high last-minute airfare rates and/or lost funds on pre-paid vacation packages. Travel insurance can reimburse these expenses after a covered event occurs, such as a death in the family, severe weather, illness or unexpected home damage.


The belongings you pack for a trip may determine how you're able to enjoy the trip, such as camera gear or sporting equipment. Not to mention, luggage itself can be very expensive. Losing a bag can certainly ruin a trip. Travel insurance can reimburse you for luggage that is lost, damaged, stolen or delayed in transit.

Medical Expenses

Your health insurance will cover you at home, but what about while you're spending a month abroad? Travel insurance can offer additional health coverage, which is especially helpful if you're traveling to a remote area where you may need emergency transportation to a medical facility.

Talk to your independent insurance agent about your travel plans so he or she can assess the best travel insurance policy for you — whether that means single trip coverage or annual coverage. The frequency of your travels and your destinations will determine the type of policy that will best suit your needs.

Enjoy your vacation with peace of mind. Call Insurance Planning Service at (734) 421-9900 for more information on Michigan travel insurance.

Do your vacation or work plans include traveling outside the U.S.?  

Do any of these scenarios sound like you?
  • “We are going on a 7 day cruise”
  • “We are hosting an exchange student this fall”
  • “My 20 year old son will be studying abroad next semester”
  • “A group from church is going to Honduras to help build a school”
  • “My niece’s soccer club is participating in a tournament in the U.K. next month”
  • “My employer is sending me to Japan to work for the next 3 months”
  • “My 12th grade daughter is going to France with the French Club”
  • “The Kiwanis Club is going to Africa to distribute eyeglasses”
  • “My band is going to work on a cruise line this summer”
If you plan to travel, have you ever thought about what might happen if you were injured or became seriously ill while in a foreign country?  What if the severity of your injury or illness required you to be flown home or to another country by air ambulance for specialized treatment?  Most medical insurance plans will not cover this exposure.  

We offer a variety of travel medical plans offered by the International Medical Group to fit most any international travel...whether it is one person for a few days, an entire group of people going for weeks or months, or to cover a person visiting the United States from another country.

Click here or call us at 800-220-5582 for more information on International Travel Medical Insurance.  You will be amazed at the low cost of peace of mind can be!

GraduationIt’s a rite of passage for college students to don cap and gown and march for graduation ceremonies- in fact, according to the National Center for Education Statistics (NCES), nearly 1.8 million students will graduate with a bachelor's degree in 2012. As those 1.8 million make the transition from undergraduates to careers, pursuit of advanced degrees or back into mom and dad's basement, it's critical that they understand how walking across that stage may have changed their insurance needs.

While every individual’s needs are unique, here are five basic insurance coverages that all college grads should consider, to see if they apply:

Auto insurance

A shiny new car, whether owned or leased, holds appeal for newly employed college grads. Auto insurance helps cope with the expenses of accidents, vandalism or theft.  A lender or leasing company that finances the vehicle will require auto insurance. Car accidents can create large liabilities for a driver, so the liability portion of auto coverage helps protect the bank account. Plus, auto insurance covers many legal expenses if a driver is sued. If a graduate who already owns a car is moving, where they keep and register the car, especially from one state to another, can impact coverage. It's important for new graduates to let their insurance agent know about these moves to make sure their current coverage will still apply, or if they'll need a new policy.

Health insurance

Under the new federal health care law, children can remain on their parent's health insurance policy until age 26. With unemployment and underemployment high among those in their early twenties, this can provide many recent grads with health insurance until they are able to get it through their employer or an individual policy. Individual policies can be pricey and differ significantly in coverage, so talk with a Trusted Choice® insurance professional about what makes the most sense.

Homeowners or renters insurance

College grads starting out may not own a home yet, but may rent a residence. To make sure their possessions are protected, homeowners and renters insurance offer comprehensive coverage whether at home or traveling. Liability insurance included in renters and homeowners coverage also helps protects against the risk of being sued. There usually are limitations on renters coverages within a group house—a typical post-graduate arrangement—so it is important to understand the details of a policy.

Life insurance

New grads may find a job with an employer that offers group term life insurance coverage. However, those with children may find it worthwhile to buy additional term life insurance or permanent life insurance, which builds cash value over time.

Disability insurance

This is a vital but often-overlooked insurance coverage. It provides income when a person is injured or disabled, whether on the job or off. A Trusted Choice® insurance professional can calculate the right amount of coverage to help a person live while recovering.

New college grads may want to lean financially on their parents’ insurance coverages as long as possible (though mom and dad might feel a little differently!). While that makes sense, it’s not always viable. For instance, auto insurance companies will require an owner or lessee of a car to carry their own coverage. There are plenty of insurance policies out there that new grads won’t need, unless there are special circumstances, such as air travel insurance, contact lens insurance or cancer insurance. Typically, it is better to have comprehensive policies like renters or health.

Parents of new graduates also should take this time to review their own insurance portfolios, as there may be opportunities to reduce their premiums when child moves out of the home.

INSURANCE PLANNING SERVICE is a Trusted Choice® insurance professional and we can help new grads and their families navigate these waters, to provide sensible coverage that won’t break the bank.  Call us today at 800-220-5582 or use our easy Contact page.  We're eager to help!

Article Source: Trusted Choice
Image Source: Microsoft clip-art

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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake