Cancellations, interruptions, or delays might put a damper on your vacation plans, but they don’t have to ruin your budget! Holiday Vacation Rentals offers optional Travel Protection Insurance from Rental Guardian on all reservations to cover losses from unforeseen circumstances, including bad weather, illness, or injury.
Why should I purchase travel insurance for my vacation?
By purchasing Travel Protection Insurance, you can insure yourself for covered cancellation penalties and medical costs, as well as gain access to a wide range of traveler’s assistance services. Insurance plans cover the following circumstances:
- Someone in your family has an illness or injury, even if they aren’t scheduled to travel with you
- You become ill and can’t travel, or your child comes down with an illness and you are quarantined
- Weather prevents you from leaving home and reaching your destination
- A family member back home passes away and you must return from your vacation early
- You lose your job
- You sustain an injury and must visit a physician while traveling
- Many other unforeseeable events as listed in the Description of Coverage
Frequently Asked Questions
Q: Are the benefits listed per insured or per booking?
A: The benefits for travel cancellation and interruption is per booking. For example, if the insured purchased travel insurance coverage for a trip costing a total of $2,000, this would be the maximum reimbursement allowable under trip cancellation or interruption for that booking.
Q: Will my current homeowners, renters, credit card, or health insurance policies cover me during my trip?
A: Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don’t have any insurance coverage at all if they must cancel their trip. The Travel Protection Insurance we offer has a wide range of travel benefits that credit card, homeowners, and renter’s insurance policies may not offer. The medical coverage included in this insurance plan is vital for most people whose health insurance policies do not pay for covered medical expenses incurred outside of the United States (e.g., Medicare, certain HMO’s, etc.).
Q: I know that I have a pre-existing medical condition; will the plan cover me?
A: Even if you have a medical condition that has been unstable in the last 60 days, you should still consider enrolling in this insurance plan because you can waive the Pre-Existing Condition exclusion by enrolling in the plan and paying for it within 21 days of your initial deposit. So long as you are medically able to travel at time of purchase, waiving the Pre-Existing Condition exclusion is the easiest way to alleviate doubt as to coverage for chronic medical conditions. There are some conditions that are not covered by the policy such as anxiety-related mental or nervous disorders. Please see the Exclusions section of the Description of Coverage to view coverage.
Q: One of the reasons listed under trip cancellation is “unforeseen sickness, injury or death of an insured or family member.” What is the definition of a family member?
A: The family member definition includes: the Insured’s or Traveling Companion’s spouse, Domestic Partner, Child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, foster child, ward, or legal ward. (Business Partner means someone who is involved with the Insured or the Insured’s Traveling Companion in a legal partnership and is actively involved in the daily management of the business.)
Q: What if I need transportation due to medical reasons and I am unable to get prior authorization from Rental Guardian?
A: We always instruct our insured guests to contact local medical services during an emergency for immediate medical attention, or evacuation if necessary, and then notify Rental Guardian as soon as is reasonably possible. Payment arrangements for your evacuation will depend on the nature of your particular situation and should be discussed with Rental Guardian.
Q: Is there help while I’m traveling?
A: One of the valued benefits offered in this insurance plan is the 24-Hour Emergency Assistance Service. With Rental Guardian you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, and referrals. They are also equipped to respond in many unexpected circumstances. If an emergency should arise during your trip, call Rental Guardian immediately and give the details of your problem or medical emergency.
Q: Where can I call for more information?
A: You may call our office for Rental Guardian contact information and questions regarding travel insurance. Their service representatives will be happy to assist you.
Q: When is the latest the insurance can be purchased?
A: The coverage can be purchased up until the final trip payment is made or 30 days prior to arrival, whichever comes first. If a booking is made within 30 days of the scheduled arrival date, the guest can purchase the insurance the day of the booking only.
To include travel insurance on your reservation, contact a reservations agent. Don’t let the unexpected get in the way.