If you're thinking of booking your next Hocking Hills getaway in the near future, then you probably want to consider either travel or trip insurance. Many take the risk of planning or leaving for their vacation without the necessary protection, and unfortunately, suffer as a result when the unexpected happens.
We've put together a list of some of the most significant reasons for purchasing trip insurance before you head out to experience of one America's most celebrated State Parks Hocking Hills, Ohio starting with cancellation cover.
#1 – Comprehensive Cancellation CoverageThe principal purpose of a standard travel (or trip) insurance policy is to reimburse you for your non-refundable trip costs if you have to cancel your trip due to an unforeseen circumstance. The reasons for cancellation that are covered by insurance providers do vary. However, they will tend to include at least (if not all) of the following:
- Accidental injury, sickness, or death of you, a traveling companion, or a family member
- Weather events that cause cancellations in travel plans or cessation of service
- Mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disasters
- Personnel strike that causes complete suspension of travel services of your carrier
- Bankruptcy or default of your travel supplier
- Terrorist attacks that occur in your destination
- You or your traveling companion are made redundant
If you so wish, you can even choose to pay a supplementary fee on top to install cancellation cover for any reason, giving you total peace of mind that your vacation investment is protected from any eventuality.
#2 – Coverage for Trip InterruptionsJust as anything can happen in the buildup to your trip, unforeseen circumstances can just as quickly unfold while you are on vacation, causing you to cut your trip short. The covered reasons for having to cut your trip short will be detailed in your insurance policy, but they will not differ significantly from the cancellation reasons laid out above.
Sickness, injury, or death of a loved one are all likely to be covered for acceptable reasons for you to return home early. Other covered reasons may include bad weather or unforeseen natural disasters that may cause closures of State Parks and lodgings. But - as is the case with the cancellation element of your insurance - make sure to read the policy carefully for specifics on what is covered and what is excluded.
#3 – Emergency Medical CoverMany trip insurance plans also have medical coverage for emergency medical expenses incurred while traveling. This is particularly important for the thousands of international travelers that flock to the Hocking Hills each year, as domestic standard health insurance plans often don't cover medical bills from another country.
If you're not a United States resident, a travel insurance plan with medical coverage will take care of any medical care and related costs you incur in Ohio. Including the considerable expense of repatriating you back to your country of residence if your policy includes emergency medical evacuation cover. These costs can easily climb into the tens or even hundreds of thousands of dollars, so protective insurance coverage is absolutely essential.
At this point, it's also important to note that trip insurance covers domestic as well as international hospitalization and treatment costs. For those of you with managed care health insurance within the US, it can be helpful to give yourself the added layer of protection during domestic trips.
#4 – More Extensive Coverage Than Your Credit CardMany visitors arrive at their Hocking Hills getaway without specific trip insurance because they believe they are protected by the policy attached to their credit card. For instance, Chase provides complimentary trip protection benefits with selected rewards cards. Benefits such as the reimbursement of non-refundable travel purchases, cover for incidental delay-related expenses, and primary rental car collision damage waiver protection are often included free of charge to customers. However, there are strict limitations to this type of cover. They may not cover you for any of the following circumstances:
- Emergency medical visits and transportation
- Pre-existing conditions
- Change fee coverage
- Extreme sports
Across the Hocking Hills State Parks, numerous activities wouldn't be covered by a credit card policy such as canoeing/kayaking, horseback riding, zip lines, zip rails, rock climbing, rappelling, ATV rides, and plane rides. Every destination has different activities and risks, and dedicated travel insurance helps protect against the unexpected.
Finally, credit card expense claims are frequently capped to values as low as $5,000. As we've already mentioned, you can quickly accrue more than those from one emergency medical evacuation, so you shouldn't rely on your credit card trip protection to bail you out.
#5 – Trip Insurance is Great Value When Compared to the Cost of Your VacationTravel insurance is inexpensive since the risks of a single trip or vacation are relatively low to providers. If you make use of an online comparison website before purchasing your travel insurance policy, you can keep your costs even lower. A vacation to the Hocking Hills that costs hundreds to thousands of dollars in flights, lodgings, and planned activities can be comprehensively covered for less than a hundred dollars (prices are dependent on your circumstances).
In a nutshell, this is one of the best reasons to buy trip insurance. The costs of each policy are so low when compared to the potential risks of a canceled trip, a medical emergency, or another unexpected event. Buying travel insurance allows for smart risk management and peace of mind on any vacation for a reasonably low price. Therefore, please make sure you take care of it as soon as your booking with one of the many available Hocking Hills cabin rentals has been confirmed.
Always remember, you can save up to 14% by booking through HockingHills.com instead of Online Travel Agencies like Airbnb, Vrbo, TripAdvisor. We look forward to having you experience all that Hocking Hills has to offer!
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