If you’re planning on going on a trip to Mexico, we strongly recommend you purchase travel insurance, even if you’re not going to be away for a long time. It’s very inexpensive, but it will protect you against a whole host of unforeseen circumstances that could ruin your vacation and cause some unnecessary headache.
Here are a few of the most frequently asked questions we receive about travel insurance in El Paso, TX.
Q: What does travel insurance do for me?
Travel insurance acts as a sort of emergency protection plan if things go wrong on your vacation. It can offer you some protection if your luggage gets lost by an airline, if you suffer an accident or injury while on vacation or if you suddenly need to cancel plans or come home early for any reason. While it does not serve as a substitute for other types of insurance policies (especially health insurance), it does give you an extra shield against these types of situations.
Q: Can travel insurance act in place of health insurance?
Again, it is important to remember that travel insurance is not a replacement for health insurance. While it can help cover accidental injuries or sudden illnesses that occur while you’re on your trip, it only protects you while on your trip and will not cover routine medical procedures or appointments—only unexpected occurrences.
Q: Do I really need travel insurance when I have travel protections on my credit card?
Even the best credit cards are very limited in the protections they provide for traveling. They might give you some limited protection for lost or stolen items, trip cancellation or medical expenses, but only if you booked the trip with that specific card. Even then, they’re probably not going to cover everything, especially with regard to medical emergencies.
Q: Are there any exceptions to coverages I should be aware of?
There are always exceptions. For example, if you get drunk and hurt yourself, or if you’re doing something irresponsible that created an unnecessary risk to yourself or others, the insurance company can deny your claim. You should avoid doing anything reckless or stupid while on your trip. Have fun, but make good decisions, and then you won’t have to worry about being denied.
Q: Will travel insurance cover me at home?
There are many different options with your travel insurance in terms of coverage areas. You can find policies that cover you within 100 miles of your permanent address, outside your home country or other specific types of options. Make sure you carefully read over the policy info and talk to an agent if you have any questions.
If you’re interested in learning more about how travel insurance in El Paso, TX can benefit you while you’re on your next tripto Mexico, we encourage you to contact our team at Pan American Insurance, Inc. today and we will be happy to answer any questions you have for us. We currently only offer travel insurance for trips to Mexico, so if you’re looking for Mexican travel insurance quotes in El Paso,TX, we can help!
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