Travel insurance is the foundation of safe travel

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Benefits

Benefits of having travel insurance

In travel, unexpected situations can arise, and that's where travel insurance becomes your safety net. Here's why having travel insurance is essential:

  • Last-Minute Trip Cancellation

    If you want to compensate for a cancelled trip, travel insurance can reimburse your prepaid, non-refundable trip costs.

  • Suffocative moments of delay in travel

    Travel insurance can rescue you by reimbursing you for eligible meals, accommodation, and transportation expenses during a covered delay.

  • Medical Emergencies Far from Home

    If you get sick or injured while traveling, travel insurance can be your guardian angel, reimbursing you for care following a covered medical emergency.

  • Medical Evacuation During Trips

    We take care of any medical evacuations, ensuring your safety and financial support during unforeseen health crises.

  • Expert Help in a Hurry

    With travel insurance, you gain access to our 24-hour Assistance hotline, providing expert, personalized support in times of crisis.

Why Choose Leisure Insurance Club?

At Leisure Insurance Club, we stand as a global leader in travel protection, empowering every traveler to experience the spirit of adventure every year.

We're Protecting You

From safeguarding your trip against unforeseen cancellations to covering medical expenses abroad, our benefits are meticulously crafted to provide you with the peace of mind you deserve while exploring the world.

We're There For You

With our award-winning 24/7 assistance, we're always by your side, ensuring you have the support you need, regardless of where you are. We've established a worldwide network of prescreened hospitals, guaranteeing you receive the proper care when needed.

We're Built For You

We continuously evolve to meet the ever-changing travel landscape. Our services are designed to cater to how you travel today and anticipate your needs tomorrow. Choose Leisure Insurance Club for your journeys and experience travel protection tailored to your unique needs and aspirations.

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Latest news & updates

Travel Insurance Illustration showing couple traveling

Essential Travel Insurance: Protection & Peace of Mind

When planning a big trip, one of the critical decisions you face is whether to purchase travel insurance. It's a scenario many travelers encounter: you've booked your flights, reserved accommodations, and outlined your itinerary, but then comes the question, "Is travel insurance worth it?" This dilemma often arises from a lack of understanding of what travel insurance covers and the potential risks of traveling without it. The decision to invest in travel insurance is not just about adding another item to your travel checklist; it's about safeguarding your trip against unforeseen events. Protecting Your Vacation InvestmentTravel insurance plays a vital role in protecting the financial investment you make in your trips. Consider this scenario: you've spent $7,000 on a dream Mediterranean cruise for your 25th wedding anniversary. Everything is set, but the day before you're scheduled to depart, a family emergency arises your mother has a serious fall and is hospitalized. Despite your situation, the cruise line's policy is clear: no refunds for cancellations within 14 days of departure. In such cases, travel insurance becomes invaluable. With trip cancellation benefits, you can receive reimbursement for prepaid, nonrefundable trip costs for covered reasons, which often include serious illness or injury of a family member. This protection ensures that your significant investment isn't lost due to circumstances beyond your control. Suggested read: Travel Insurance with Benefits for International Travel Medical Emergencies Overseas  Another critical aspect of travel insurance is coverage for medical emergencies while abroad. The cost of medical care overseas can be exorbitantly high, and more importantly, U.S. health insurance plans, including Medicare, typically do not provide coverage outside the United States. Imagine being on a driving tour in a foreign country and getting involved in a serious accident. Upon reaching the hospital, you find that your U.S. health insurance card is of no use, and you're required to pay upfront for treatment. In such situations, medical bills can rapidly escalate, and if medical evacuation is necessary, costs can soar even higher, sometimes exceeding $200,000. Travel insurance with emergency medical benefits is designed to cover these expenses. It can pay for losses due to covered medical and dental emergencies that occur during your trip. Moreover, emergency medical transportation benefits can cover medically necessary transportation to the nearest appropriate medical facility, as well as the cost of getting you home following a covered injury or illness. This aspect of travel insurance is not just about financial protection; it's also about having access to necessary assistance and support during critical times. Travel insurance is more than just an optional add-on; it's a crucial component of travel planning. It protects your vacation investment from unexpected cancellations and provides essential coverage for medical emergencies overseas. When asking, "Is travel insurance worth it?" consider the peace of mind and security it offers, making it an indispensable part of your travel preparations. Dealing with Minor MishapsTraveling, while exciting, often comes with its share of minor inconveniences and mishaps. These can range from travel delays due to weather or mechanical issues to baggage delays at the airport. While these incidents may seem minor, they can disrupt your travel plans and lead to unexpected expenses. This is where travel insurance becomes a valuable asset. It helps manage these situations by covering additional accommodation and travel expenses incurred due to delays. For instance, if your flight is significantly delayed, travel insurance can cover the cost of an unplanned hotel stay or meals. Similarly, if your baggage is delayed, you can be reimbursed for essential items you need to purchase while waiting for your luggage. These benefits ensure that minor setbacks don't turn into major financial burdens, allowing you to continue your journey with peace of mind. Recommendation by the U.S. Department of StateThe U.S. Department of State strongly recommends travel insurance, especially policies that include emergency medical benefits, emergency transportation benefits, and coverage for other unexpected expenses. This advice stems from the fact that many travelers are unaware that their health insurance may not provide coverage overseas. In the event of a medical emergency, the costs can be staggering, and the logistical challenges of arranging emergency transportation can be overwhelming. Travel insurance that includes these benefits not only provides financial protection but also ensures that travelers have access to necessary medical care and transportation in emergencies. This recommendation underscores the importance of being adequately insured when traveling abroad. Affordability and Accessibility of Travel InsuranceOne common misconception about travel insurance is that it's expensive and complicated to obtain. However, the reality is quite the opposite. Travel insurance is generally affordable and offers various options to suit different budgets and travel needs. The cost of a policy is often a small fraction of the total trip cost but can save you from significant financial losses. Additionally, the process of finding and comparing travel insurance plans has become more accessible than ever. Many providers offer online platforms where you can quickly compare different plans, understand coverage details, and choose a policy that best fits your travel itinerary and budget.  This ease of access and affordability makes travel insurance a practical choice for all types of travelers. ConclusionIn conclusion, travel insurance is an essential component of trip planning. It offers protection from both minor inconveniences and major emergencies, ensuring that your travel experience is as smooth and stress-free as possible. The U.S. Department of State's recommendation to carry travel insurance, particularly for medical and transportation coverage, highlights its importance for international travel. Furthermore, the affordability and accessibility of travel insurance make it a practical choice for safeguarding your travel investment and well-being. As you plan your next adventure, consider travel insurance not as an optional extra but as a crucial tool for a successful and enjoyable journey.
hand protecting red toy car on desk. car insurance concept

Rental Car Insurance Guide: Details On Coverage & Protection

Navigating the maze of rental car insurance options at the rental counter can often be a source of confusion and pressure for many travelers. As you stand there with the contract and pen in hand, the salesperson's pitch for various insurance add-ons can make it challenging to decide what you really need. Understanding the different types of rental car insurance is crucial to making an informed decision. It not only helps in avoiding unnecessary expenses but also ensures that you are adequately covered during your rental period.Collision Damage Waiver (CDW)What is a Collision Damage Waiver?A Collision Damage Waiver (CDW), also known as a Loss Damage Waiver, is not traditional insurance but a waiver that shifts the liability of damage or theft of the rental car from the renter to the rental company. In essence, if your rental car is damaged or stolen, you won't be financially responsible for repairing or replacing it, although a deductible may apply.The Need for CDWWhile your regular car insurance policy might include collision coverage for rental cars, it often comes with a deductible and may not cover all the rental company's charges, such as loss of use fees. Moreover, relying on your car insurance can lead to increased premiums in the event of a claim. Credit card rental car insurance often provides secondary coverage, meaning it only kicks in after your personal auto insurance. Opting for a CDW through a third-party insurance provider can offer more comprehensive coverage without affecting your personal auto insurance.Supplemental Liability Insurance  Understanding Supplemental Liability InsuranceSupplemental Liability Insurance (SLI) provides additional liability coverage over and above the minimum limits required by law. It typically covers damages to other people's property (like their cars) and medical costs for injuries in an accident you're legally responsible for.Evaluating the Need for SLIBefore opting for SLI, it's important to check your personal auto insurance policy. Most policies already include a certain amount of liability coverage. However, if you feel your coverage is insufficient, especially in high-risk situations or if you're traveling in a country with different liability laws, SLI can offer extra protection.Personal Accident InsuranceWhat Does Personal Accident Insurance Cover?Personal Accident Insurance covers medical, ambulance, and death benefits for the rental car driver and passengers. This type of insurance is focused on covering the costs associated with injuries that occur while you're in the rental vehicle.Assessing the Need for Personal Accident InsuranceIn many cases, the benefits offered by Personal Accident Insurance might overlap with your existing health, life, or auto insurance policies. It's essential to review your current policies to avoid redundant coverage. However, if you're traveling overseas where your U.S. health insurance may not be accepted, carrying travel insurance with emergency medical benefits can be a more comprehensive alternative.Understanding the nuances of rental car insurance is key to making an informed decision at the rental counter. By knowing what each type of insurance covers and assessing your existing insurance policies, you can choose the coverage that best suits your needs, ensuring both peace of mind and financial protection during your travels.Personal Effects CoverageUnderstanding Personal Effects CoveragePersonal Effects Coverage is a type of insurance specifically designed to protect your belongings from theft while they are in your rental car. This coverage typically includes a set dollar limit and covers items like electronics, clothing, and other personal belongings if they are stolen from the vehicle. It's an important consideration, especially when traveling with valuable items that might be left in the car while you explore your destination.Deciding on the Need for Personal Effects CoverageBefore opting for Personal Effects Coverage, it's crucial to review your existing homeowners or renters insurance policies. Many of these policies already provide coverage for personal items stolen from your car, regardless of whether the theft occurs at home or while traveling. However, it's important to check the specifics, including any deductibles and coverage limits. If your current policy doesnt offer sufficient coverage, or if you're traveling with particularly valuable items, then Personal Effects Coverage can be a wise addition.Benefits Over Rental Agency WaiversUnlike waivers offered by rental car agencies, the OneTrip Rental Car Protector is actual insurance. This means it can provide broader protection and potentially save you money compared to the waivers that rental agencies sell. It's a cost-effective solution that offers substantial coverage, making it an attractive option for many travelers.Research Before You RentImportance of Pre-Rental ResearchDoing your homework before you reach the rental car counter is essential. Researching rental car insurance options ahead of time allows you to compare different coverages and understand what is already covered under your existing insurance policies.Checking Existing CoverageIt's advisable to check the coverage provided by your personal car insurance and credit card company. Many credit cards offer rental car insurance as a perk, but the coverage level can vary. Understanding these details beforehand can prevent you from paying for redundant coverage and help you make an informed decision.ConclusionUnderstanding the different types of rental car insurance is crucial for making informed decisions. By being aware of what each type of insurance covers and assessing your existing insurance policies, you can avoid unnecessary costs and ensure you have adequate coverage for your rental car. This knowledge not only helps in saving money but also provides peace of mind, allowing you to focus on enjoying your trip.
Traveler luggage walking at airport terminal and travel insurance coverages infographic

Travel Insurance with Benefits for International Travel

Traveling internationally is an exciting venture, but it also comes with its own set of risks and complexities. The stakes are inherently higher when you're far from home, navigating unfamiliar territories, and potentially facing language barriers. This is where the importance of travel insurance becomes paramount.International trips often involve significant financial investment, and the potential for more expensive and complex issues is always present. Travel insurance serves as a safety net, providing protection against a range of unforeseen circumstances that could otherwise turn a dream vacation into a financial nightmare.Emergency Medical and Dental Benefits  One of the key components of travel insurance is the emergency medical and dental benefits. These benefits are crucial as they can reimburse you for the cost of eligible medical care while traveling abroad. This aspect of travel insurance is particularly important because U.S. health insurance plans, including Medicare, often do not provide coverage outside the United States.In the event of a serious illness or injury while overseas, you could face substantial medical bills, as many foreign medical facilities require cash payment upfront. Emergency medical and dental benefits ensure that you're not left bearing the full brunt of these unexpected expenses, providing much-needed financial relief and peace of mind during a stressful situation.Emergency Transportation BenefitsEmergency transportation benefits are another critical aspect of travel insurance, covering the cost of medically necessary transportation in the event of a medical emergency. This benefit is especially important if you're traveling in remote areas or countries where medical facilities may not meet the standards you're accustomed to. The cost of medical evacuation can be exorbitant, often exceeding tens of thousands of dollars.Emergency transportation benefits not only cover these costs but also ensure that you receive the necessary care as quickly as possible. Whether it's an airlift to a hospital or transportation to a more suitable medical facility, these benefits are designed to handle the logistics and financial aspects of emergency medical transportation.Trip Cancellation BenefitThe trip cancellation benefit is a vital part of travel insurance, offering reimbursement for prepaid, non-refundable trip expenses if you have to cancel your trip for a covered reason. Reasons can range from personal illness to unforeseen natural disasters. This benefit is particularly valuable for international travel, where trip costs are typically higher. Additionally, the Cancel Anytime upgrade provides even more flexibility, allowing you to recoup a significant portion of your investment for almost any unforeseen reason not already covered by your plan.Trip Interruption BenefitTrip interruption benefits come into play when your trip is unexpectedly disrupted. This could be due to a variety of reasons, such as a family emergency back home or a sudden travel advisory for your destination. This benefit helps manage the financial impact of such interruptions, covering the unused portion of your prepaid expenses and additional costs incurred due to the interruption. Whether it's extending your stay, changing flight bookings, or additional transportation costs, trip interruption benefits provide essential support in managing these unexpected changes.Understanding the various benefits offered by travel insurance for international travel is crucial. From medical emergencies to trip cancellations and interruptions, these benefits provide comprehensive coverage that safeguards your travel investment and well-being. With travel insurance, you can embark on your international adventures with confidence, knowing you're well-protected against a wide array of potential travel issues.Travel Delay Benefit  Travel delays are an inevitable part of international travel, often leading to unexpected expenses. The travel delay benefit in travel insurance policies is designed to mitigate the financial impact of such delays. This benefit provides reimbursement for reasonable additional expenses incurred due to a covered delay, such as meals, accommodation, and transportation. For instance, if a severe weather condition or a mechanical issue with your flight causes a significant delay, this benefit can cover the cost of a hotel stay and meals during the wait. The coverage typically kicks in after a delay surpasses a certain duration, ensuring that travelers are not left out of pocket due to circumstances beyond their control.Baggage BenefitsBaggage issues, including delays, loss, or damage, are common travel concerns. Baggage benefits in travel insurance offer a solution by covering essential items if your luggage is delayed by the travel carrier, hotel, or tour operator for a specified period. This means if your bags are delayed, you can purchase necessary items like clothing and toiletries and get reimbursed. In the case of lost or damaged baggage, the benefit covers the actual price, repair, or replacement cost of the possessions in your baggage, up to the plans limit. These benefits provide peace of mind, knowing that the inconvenience and cost of baggage mishaps are covered.Rental Car ProtectionFor many travelers, renting a car is an integral part of their international travel experience. The OneTrip Rental Car Protector is a specific benefit that offers comprehensive coverage for rental cars. This includes protection against collision, loss, and damage up to a specified limit, typically around $50,000. This coverage is particularly valuable in countries where rental car insurance is expensive or where the provided insurance has significant gaps. With this protection, travelers can enjoy their road trips without worrying about the financial repercussions of potential damage to their rental vehicle.24-Hour AssistanceOne of the most valuable features of travel insurance is the availability of 24-hour assistance. This service provides travelers with round-the-clock support for a wide range of travel-related issues. Whether you need help with lost documents, medical emergencies, or travel disruptions, the team of multilingual experts is just a phone call away. They can assist in locating lost baggage, arranging emergency medical care, and providing guidance in various situations. This service is invaluable, especially in foreign countries where language barriers and unfamiliarity with local systems can make problem-solving challenging.ConclusionWhen planning your next international trip, its crucial to consider the range of benefits offered by travel insurance. From handling the inconveniences of travel delays and baggage issues to providing essential coverage for rental cars and offering 24-hour assistance, travel insurance is an indispensable tool for any international traveler.It not only offers financial protection but also peace of mind, allowing you to fully immerse yourself in your travel experience without the worry of unforeseen events. With these comprehensive benefits, travel insurance ensures that your journey is as smooth and enjoyable as possible.
Testimonials

What Customers Experience

"Choosing Leisure Insurance Club was my best decision for my international adventure. Their proactive services ensured that I received support whenever I needed it. Their commitment to travelers is commendable."

Maria G.

March. 2023

"Leisure Insurance Club provided me unparalleled peace of mind during my recent trip. When I encountered an unexpected medical issue abroad, their 24/7 assistance team promptly ensured I received the right care. Their support was a true lifesaver."

Emily S.

Sep. 2023

"I've been a frequent traveler for years, and Leisure Insurance Club has consistently exceeded my expectations. Their comprehensive coverage make my adventures worry-free. It's the only travel insurance I trust."

Alex M.

Oct. 2023

"Leisure Insurance Club came to my rescue when I had to cancel my dream vacation due to unforeseen circumstances. Their claims process was smooth, and I received my reimbursement swiftly. I couldn't be happier with their service."

Sarah P.

Nov. 2023

"I had a mishap during my trip, and Leisure Insurance Club saved me from unexpected expenses. Knowing that even a tiny scrape won't ruin my travel budget is a relief. Thanks, Allianz!"

James L.

Nov. 2023