Not Sure You Need Travel Insurance?

(Important note: Travelex does not currently provide coverage for non-US residents. If you reside in Canada or Europe, please contact cel@lotustours.net .)

Many travelers think their health insurance or free credit card insurance will completely cover out of pocket expenses. However, that’s often not the case. Consider the reasons below for purchasing travel insurance for your journey.

Health Insurance Doesn't Cover Everything
According to the US Department of State - Bureau of Consular Affairs your domestic health insurance may cover “customary and reasonable” costs overseas. However, they often won’t pay for a medical evacuation back to the US which can cost upwards of $50,000. That’s where Travelex travel insurance plans can help.

Credit Card Shortfalls
There’s a good chance your credit card provides some coverage for travel insurance. It’s important to check what coverage you actually have as this can vary depending on your card type and can even cost you additional funds to invoke. Credit card companies often have a number of conditions in order for their insurance to apply. For example, you may have had to pay for the entire trip using that credit card. For higher benefits coverage, purchase a specific travel insurance plan.

Travel Investment
You don’t want to cancel a vacation or lose the money you’ve invested. Cancel for a covered reason listed in your policy and Travelex can help.

Medical Expenses
If you’re traveling remotely you may not always have access to the best health care. Your health and safety is a priority. If an emergency medical evacuation is necessary, we will transport you to the nearest suitable hospital for treatment. Additional benefits include transportation of a visitor of your choice to stay with you or to transport any traveling children back home, should you become hospitalized.

Personal Belongings
A trip to the beach isn't much fun without a bathing suit. If your luggage is delayed or lost, Travelex plans go above and beyond. We can refund you for items lost, stolen or damaged, and reimburse you for necessary items you need to buy until your baggage is returned.

Travel Assistance & Concierge Services
Call the toll-free number 24/7 prior to departing for assistance or advice on planning your trip. We can help with booking concert tickets to making dinner reservations and more. When you’re traveling, one toll-free call gives you access to a variety of travel services like medical emergency assistance and lost baggage retrieval.