Below is a list of the different coverages that can be found in a TLC Travel Protection Plan. Please refer to the Certificate (or Policy) of Protection for the plan's specific coverages.
Why is travel protection important?
Travel protection is important because many times, travelers pay for their trips months in advance. You and your family may be in the best of health today, but things can change before you go on your trip, leaving you with cancellation penalties. Secondly, travel protection gives you confidence while on your trip. With travel protection, numerous unexpected situations may be covered that can save you a lot of time, money and frustration.
I was told that my homeowner's, medical and auto insurance policies or credit cards would provide me adequate protection during my trip. Is this true?
Among the various auto, medical, homeowner's and credit card benefits, most travelers mistakenly believe they will be completely covered by one of these should something happen on their trip.
Unfortunately, many find out at the worst time that they have to spend more money in deductibles and co-payments before receiving any compensation. Below is a brief summary on what is typically covered by various insurance policies on a trip:
- Credit Cards: Provides limited car rental, accidental life and medical coverage. Insureds typically have to pay for the trip with their credit card in order to receive benefits. TLC offers lodging protection no matter how the trip is purchased.
- Homeowner's: Used to cover baggage and other personal items. Insureds typically have to pay large deductibles before any disbursements are made.
- Medical: When a traveler leaves their medical plan's network area, they may be subject to increased deductibles, co-payments and in some cases, have little to no coverage at all. TLC Medical Coverage is in excess of a traveler's primary medical coverage.
TLC combines the above into a single comprehensive product without charging deductibles or co-pays. TLC plans can save you time and money by saving you from filing claims with multiple insurance suppliers.
