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Your Journey Insurance coverage Questions Answered by Specialists

I’d prefer to introduce you to Terra Baykal, Pam Langevin, and Stan Sandberg, our subsequent friends within the Solo Traveler Insiders Speaker Sequence. On Wednesday, October twelfth they are going to be answering your whole questions on journey insurance coverage. Whether or not you’re an adventurer, a senior, or have another particular wants or circumstances, we’ve assembled a crew of consultants who can present the solutions to all of your journey insurance coverage questions.

I interviewed our audio system just lately, in order that you possibly can get a quick introduction to them earlier than the occasion. I hope you get pleasure from attending to know them as a lot as I did, Examine them of their mini-profiles under.

Terra Baykal, Senior Advertising Supervisor

World Nomads

How did you get into the journey insurance coverage enterprise and what do you concentrate on?

In 2018 I used to be wanting to get again into the journey trade after working in promoting for a couple of years. I discovered a place at World Nomads that was a really perfect match given my expertise, and although I had no expertise with journey insurance coverage or this trade, I dove into the chance. All my insurance coverage data has come from my time at World Nomads. A mixture of skilled coaching, insurance coverage licensing and conversations with product managers, underwriters, and actuaries. I concentrate on advertising and marketing, so it’s vital for me to have a deep understanding of our insurance coverage merchandise to coach clients and showcase the worth that journey insurance coverage affords vacationers.

What’s a standard mistake folks make with journey insurance coverage?

Buying their journey insurance coverage too late. I’ve talked to many relations and associates who buy a coverage after an occasion occurs, solely to seek out out that sure advantages reminiscent of journey cancellation don’t apply to their scenario. Journey cancellation advantages apply to unexpected occasions, so as soon as a hurricane is known as or you might be declared too sick to journey by a health care provider, it’s too late to take out a coverage and have journey cancellation advantages apply to these identified occasions. I all the time urge folks to purchase journey insurance coverage as soon as they’ve made an funding of their journey. Bake it into your buy move – flights, lodging, journey insurance coverage.

Inform us a bit about your individual travels and/or the subsequent vacation spot in your checklist.

I used to be a late bloomer when it got here to journey, however as soon as I began, I used to be hooked. I’ve traveled to 16 nations throughout North and South America, Europe, and Asia. Most just lately I spent three weeks backpacking throughout Europe alone, assembly different vacationers and connecting with associates and colleagues that I haven’t seen for years. I are likely to lean in direction of journey journey and am all the time trying to actions that get my blood pumping. Whereas I used to be in Europe, I had the chance to bike by means of London, hike round Eire, stand-up paddleboard in Spain and surf in Portugal.

Stan Sandberg, Co-Founder

How did you get into the journey insurance coverage enterprise and what do you concentrate on?

My co-founder, Drew Sharma, and I began with the target to simplify the way in which folks analysis, store for, and buy journey insurance coverage. We partnered with the highest journey insurance coverage carriers, reminiscent of Journey Guard, Generali, and AXA Help, to supply a straightforward and absolutely clear purchasing expertise.

What’s one thing that everybody can be shocked to learn about journey insurance coverage?

One of many extra frequent misconceptions about journey insurance coverage is that you could solely purchase it when it’s first provided on the time you buy your airfare or inns. And for those who do not buy it then, you may’t purchase it later. You should purchase journey insurance coverage at any time proper up till the day previous to your departure date. Timing is vital if you wish to buy a plan with a pre-existing situation exclusion waiver, or a plan that provides a cancel for any purpose non-compulsory improve. These time delicate advantages require that you just buy your insurance coverage inside a strict timeframe from whenever you make your first deposit or cost in direction of a visit.  That timeframe can vary from 7 to 21 days relying on the supplier and plan. 

Inform us a bit about your individual travels and/or the subsequent vacation spot in your checklist.

I went to Corsica final July and located the island to be extremely lovely. It affords spectacular seashores, a mess of mountain climbing trails, and never surprisingly, superb meals. For avid hikers, I’d suggest going to Corsica both within the fall or spring when the temperatures aren’t as sizzling. It is simple to get to by means of any main European airport. 

Pam Langevin, Dealer

Med-Quote Insurance coverage Brokers

How did you get into the journey insurance coverage enterprise and what do you concentrate on?

Fairly accidentally. I came upon about an administrative opening at Medi-Quote Insurance coverage Brokers and after working within the administration space for a 12 months, I used to be approached to turn out to be a dealer. I really get pleasure from being able that gives customer support and helps folks. Along with offering journey medical protection to people touring for pleasure, we offer protection for college kids touring overseas, guests coming into Canada, journey cancellation & interruption protection in addition to well being & dental advantages packages for people that shouldn’t have protection by means of their employer or who’ve retired.

What’s a standard mistake folks make with journey insurance coverage?

Not correctly understanding a query on an software kind and never disclosing a medical situation.  For instance, some insurance coverage firms embody a easy hiatus hernia of their definition of a gastrointestinal situation.

Inform us a bit about your individual travels and/or the subsequent vacation spot in your checklist.

I’ve been very lucky in with the ability to journey to some fantastic locations!  I used to be in a position to get pleasure from Prince Edward Island, as a teen in a college alternate program, the place I fell in love with the emerald inexperienced grass towards the pink soil. In 2001, I used to be in a position to take my two boys to Churchill to see the polar bears. If that isn’t in your to-do checklist you must add it. We have been fortunate that 12 months and have been in a position to see not solely the large males, but in addition the females with cubs. Usually you solely get one or the opposite, however the ice was late and so there was a combination. In 2008, a pal who labored as a journey agent was in a position to make a journey to Jamaica and selected me to go together with her. What a tremendous place. And eventually, the final place I used to be in a position to go to was in 2019 when my husband traveled for work to Grand Cayman Island. In fact, as a dutiful spouse, I wanted to tag alongside to verify he was consuming correctly!

Be a part of us for our October twelfth version of the Solo Traveler Insiders Speaker Sequence that includes Terra Baykal, Pam Langevin, and Stan Sandberg. The world of journey has modified a lot throughout the pandemic and journey insurance coverage has by no means been extra sophisticated. Let our consultants assist to take the ache out of that space of journey planning in an effort to simply give attention to being excited to your journey. Get your questions prepared! To take part in our digital chat and ask your individual questions, be a part of the Solo Traveler Insiders.

Final up to date: twenty eighth September, 2022



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