By law, I am required to offer you travel insurance.  For this reason, I require that all of my clients complete, sign, and submit this Travel Insurance Form indicating that you have been offered travel insurance, and should you choose not to purchase travel insurance, you accept all responsibility.  

Emergencies can happen when you least expect it.  I highly recommend that you protect your vacation with a travel insurance policy.  The cruise lines, airlines, hotels, and tour operators charge high cancellation penalties, ranging from the full deposit to no refund.  Another essential fact to keep in mind is that most health insurance policies will not cover you when you are out of the country.  Your Travel Insurance will protect you in the following areas:  

• Trip Cancellation
• Trip Delay
• Trip Interruption
• Missed Connection
• Baggage Loss, Theft or Damage
• Baggage Delay
• Emergency Medical and Dental Expenses
• Emergency Medical Transportation
• 24/7 Hotline Assistance    

Please also note that for you to benefit from pre-existing coverage, your policy must be purchased before final payment. There is no added cost to the policy for pre-existing coverage.

It is also essential to understand that you do NOT have coverage until you have an active policy!  Pre-existing coverage will not apply to world events such as strikes, natural disasters, terrorism, etc. 

Please understand that I am not a registered insurance agent and can not legally provide specific advice or information regarding insurance.