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As summer heats up and more travelers hit the road for an all-American road trip, do you need travel insurance? From personal experience, the short answer is yes. In the following article, I’ll cover the differences in travel insurance for a road trip and why you should consider a policy before your rubber meets the road. It’s cheaper than you think.
Before I get into the nitty-gritty, let me give you some background on our experience with travel insurance for a road trip. Last summer, the kids and I took an epic road trip to Philadelphia and New York City. While we were in New York, we watched as Hurricane Florence barreled into North Carolina. While we were never in any danger, our return home drastically changed as essentially, North Carolina was closed.
Thanks to our policy through Allianz Travel Insurance, we were covered for the added food, gas, and lodging costs due to the weather emergency. While I am an affiliate for Allianz Travel Insurance, I also use their product and all opinions are my own. I would recommend Allianz, but do your research and pick a trip insurance plan that’s right for you.
What is the difference between Car Insurance and Travel Insurance
First and foremost, think about what can happen on a road trip. While car insurance covers your car in case of an accident, what if you have to cancel hotel rooms because of that accident and incur a penalty?
What if you’re injured during an accident? Does your car insurance or medical insurance cover everything? Many trip insurances offer emergency medical coverage for emergencies that occur during your trip.
What about having AAA Roadside Service?
AAA Roadside service is supplemental insurance and covers roadside assistance needs. Say you have a flat tire, dead battery or even lock your keys in the car. AAA covers these things. Some trip insurance policies may cover this as well, depending on if it falls under trip interruption.
Additional benefits of AAA include travel discounts.
What Does Trip Insurance Cover?
Did you know that you don’t need to book a trip through an airline or travel agency to buy travel insurance? Sites such as Allianz Travel Insurance offers a variety of plans for your road trip or other travel needs.
For example, take a look at these single trip plans. Depending on what’s right for you, they may cover the following:
- Trip Cancellation
- Trip Interruption
- Travel Delay
- 24-Hour Hotline
- Emergency Medical
- Emergency Medical Transportation
- Baggage Loss or damage (including theft)
- Baggage Delay
- Change Fee Coverage
- Travel Accident Coverage
Various amounts covered depend on which plan you purchase.
If you have a lot of road trips or other travel plans for the year, consider getting a yearly trip insurance plan. These cover you for a full year of travel anywhere beyond 100 miles from your primary residence.
What does Road Trip Insurance Cost?
A lot of factors determine the cost of travel insurance. Things such as which plan you choose, how many travelers, how long the trip is, play a factor.
According to ValuePenguin by LendingTree, the average cost of travel insurance is $148.
Choose what’s right for you. The value of having travel insurance for a road trip usually outweighs the cost.
Have you used travel insurance? Share your stories in the comments below.