You’ve planned an epic RV getaway to the Grand Canyon. The RV you’re renting is packed with everything you need to enjoy a two-week vacation with your family. You’ve studied the route you’re going to take and know it like the back of your hand. This is going to be the best trip you’ve ever taken. And then a medical emergency arises in the family. The trip must be canceled, and you may have lost thousands of non-refundable dollars. What do you do?
If you had trip insurance, you might be able to get your money back for certain purchases. But what does trip insurance cover and when does it make the most sent to purchase it before a big trip?
What it Covers
RV trip insurance coverage typically includes trip cancellation, trip interruption, and 24/7 emergency assistance and transportation. So, for example, if you had to cancel your Grand Canyon vacation, trip insurance could help reimburse you for non-refundable, pre-paid expenses, such as RV rental fees and campground reservation fees, if the reason for cancelation is a covered event. Additionally, if your trip is interrupted because of a mandatory evacuation of an area on your route, trip insurance would cover certain fees. And finally, trip insurance can help you in the event of an emergency that occurs on the road, such transporting you or a loved one to the nearest medical facility from wherever the emergency occurred.
When should you purchase trip insurance?
Consider purchasing trip insurance when you plan an extended RV trip and have pre-paid for non-refundable services. Before you purchase any plan, review the options offered by various companies – such as Allianz Global Assistance – to see what the maximum trip length requirements are. You should also carefully review the terms and conditions of all plans, to ensure that you choose the coverage that best suit your needs.
It’s important to always be prepared and know that a traffic accident, natural disaster, or even personal medical emergency can arise at any time, even when you’re on vacation. To help protect your vacation investment, especially if you plan to rent an RV, buying a trip insurance policy is a good idea.
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