Travel Insurance

Travel Insurance2020-12-18T22:16:43+00:00

When you have comprehensive travel protection, you also have peace of mind

Whether you are taking a domestic trip or exploring some international locales, the planning that goes into your upcoming travel is typically the most stressful part of the journey. But even though your pre-trip checklist seems long, the team at Fred C. Church strongly recommends you add one more item to it – buying travel insurance. This coverage may be the most important thing for you to have on your trip. If you don’t have travel insurance coverage and an accident, medical or health emergency, or other unforeseen event happens, you may be out thousands of dollars trying to get yourself the critical emergency care you need.

4%-10%

Percent of trip cost you should expect to pay for travel insurance*
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Travel Wisely

Fully enjoy the wonders of your travels knowing you have planned for anything that might take you off course.

So, you’ve made it to your destination safely. What could go wrong at that point? Unfortunately, quite a bit, including finding out your baggage has been delayed indefinitely, losing your passport, or getting sick or injured. Booking a new flight, purchasing replacement clothes and personal items, or, in a worst-case scenario, having to arrange safe transport to a medical facility, can cost you thousands – or tens of thousands – of dollars. So, before you embark on your latest adventure, let the Fred C. Church team evaluate the potential risks involved with your domestic or international travel plans and assist you in determining the value of purchasing travel insurance.

Find the right travel insurance for your next trip.

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Talk To An Insurance Professional About Your Travel Risks.

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Do you really need travel insurance if you have health insurance?

Fred C. Church wants you to understand that relying on your health insurance could leave you with risky gaps in coverage when you travel.

Whether you are traveling here in the United States or a different country, it is essential that you have a clear understanding of what your health insurance will cover in the event you or a family member experiences a medical emergency. Although it is likely that your healthcare plan will cover reasonable emergency services at any hospital, there are some caveats you should be aware of:

  • You will be using providers that are likely considered “out-of-network,” and thus you will probably pay a much larger share of any medical-related expenses.

  • You might consider a situation an emergency, but in the eyes of your health insurance carrier, it may not be, in which case your claim could be denied.

  • Very few health insurance companies will pay for a medical evacuation back to the United States or from one hospital to another when you are traveling abroad. These evacuations can cost upwards of $100,000 or more.

  • Talking to your healthcare provider is the only way to know concretely what will and will not be covered.

At Fred C. Church, we believe that if your trip is going to take you beyond your health insurance network area, and there is the potential that you would have to pay significant out-of-pocket costs in the event of a serious illness or injury, then you should consider travel insurance to fill in the gaps that might be left by your health insurance coverage. 

Here are some of the insurance options and risk management
services available to travelers through Fred C. Church:

  • Delayed Bags Coverage

  • Emergency Medical Evacuation

  • Lost Passport Coverage

  • Coverage for Stolen, Lost, or Damaged Luggage

  • Missed Connection Coverage

  • Terrorism Coverage

  • Travel Medical Coverage

  • Trip Cancellation Insurance

  • Weather Damage Protection

  • 24/7 Emergency Assistance

  • Kidnap and Ransom Insurance

  • Repatriation Resources

What we mean when we say,
“It’s the people.”

If you choose to work with Fred C. Church as your insurance broker, you will experience our unique approach to finding the optimal travel insurance solution for you and your fellow travelers. You will also see how important it is to us that you wholly understand your coverage and how it should safeguard you whether you are traveling in the United States or abroad. Most important, you will learn that, as an independent, employee-owned company, we don’t answer to anyone but you. Our only responsibility is to serve your personal goals, needs, and situation. With Fred C. Church, you will always come first.

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