Why do I need Travel Insurance?

We plan our vacations down to the last detail, from where we're staying to where we're eating. It's a vacation, so why plan for anything that would sideline those arrangements? The fact is that accidents, illnesses, and disasters can happen. While it may be easy to accept a cancellation for your weekend getaway, saying goodbye to a two-week international vacation is difficult from both a financial and emotional perspective.

That's why travel insurance plans for federal employees, as well as private sector staff, are becoming more of a necessity for trip planning.

As an example, consider the following scenario: You and your family are traveling to an island getaway with plans for swimming with stingrays, parasailing and more. While parasailing, however, you become injured and need immediate medical attention. Due to your location, you require evacuation to a nearby island. That can cost up to $100,000 or more. But with our travel insurance for federal employees, you're covered and can focus on recovering, rather than stressing about the expense.

With travel insurance, you and your family receive peace of mind. The price of federal travel insurance also supports your family's vacation budget, as it accounts for only 5.5 percent of total trip expenses, on average. For what our federal government travel insurance plans offer, it's often a smart investment to purchase travel insurance, especially for international trips.

Benefit Examples

The following examples are a few of the benefits you may be eligible to receive after purchasing federal travel insurance:

• If your baggage is lost or delayed en route to your destination or home, we’ll help you find or replace it, courtesy of your insurance's trip services.
• If you are injured in a rental car collision navigating tricky roads abroad, our Rental Car Collision coverage, included in our travel insurance for federal employees, will cover it.
• If you or your spouse goes into labor and you need to cancel your trip, we’ll refund it via your federal employee travel insurance.
• If a family member passes away while you’re abroad and you need to return home early, we’ll refund your unused, nonrefundable costs – including hotels, entertainment, and flights — making your federal government travel insurance plan well worth the investment.
• If inclement weather strikes and you are unable to begin or continue your travel, we’ll refund your trip or help you get home.
• If a medical emergency occurs in a remote area and you need advice, in English, to find the closest, best hospital for your needs, we’re standing by.
• If you lose your wallet and passport abroad, we’ll help you replace your wallet and passport and obtain emergency cash — all as part of your federal government travel insurance.

We know that when you’re relaxing on vacation, you don’t have time to worry about your health or belongings in emergency situations. That’s what travel insurance is for.