ABOUT PURCHASING TRAVEL INSURANCE:
Although, for client convenience, CM TRAVEL 4FUN does offer clients the opportunity to direct-purchase quality travel insurance on our web site… CM TRAVEL 4FUN advises clients to never self-book their own travel insurance!
We recommend clients only purchase travel insurance from a trained, licensed, professional travel insurance representative (like CM TRAVEL 4FUN).
WHY? Only travel insurance purchased from a licensed trained insurance professional reliably provides travelers the correct coverage… and in the event of a claim, personal agent claim support!
ABOUT TRAVEL INSURANCE:
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UNLIKE other types of insurance products, the business of selling and marketing travel insurance is virtually unregulated in most states (and online). This means the online consumer has no certainty what they are buying, from whom, or if the insurance will actually pay should they have a claim!
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Travel insurance not a one-size fits all product… although it is marketed to consumers as if it were! Travel insurance coverage only has value if it protects travelers from the unique personal, travel, and financial risk exposures associated with each separate travel itinerary insured! Travel insurance sold by online insurance companies is always one-size fits all (although it may be offered with basic, standard, and premium options). Consumers buying insurance this way nearly always buy the wrong coverage, too little coverage, or too much coverage! They waste all or part of their insurance premium!
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Travel insurance coverage is only effective if it is matched to actual travel risk… if it is not, travel insurance may be of little or of no value to the traveler. Travel insurance purchased from online travel vendors* is always a standardized policy that rarely provides the correct coverage for individual traveler risk (or the type of travel)! *(vendors including airlines, cruiselines, tour companies, Expedia, Costco, AAA, most online travel sites, etc.)
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Although travel insurance policies from different vendors may have policy descriptions appearing similar or identical… the policy fine print is always different! Even travel insurance policies provided by the same insurance company, but sold by different online travel companies are different (only rarely do different travel companies offer the same coverage or the same coverage limits)! Misleading advertising and marketing of travel insurance online is not an exception… it is a business standard!
- Specifically regarding travel insurance policies sold by mass market third party resellers (like online travel companies, rail lines, cruise lines, airlines, vacation resorts and theme parks, tour companies, etc.)… these policies are especially undesirable because they have all or most of the following issues:
- less coverage for premium dollar spent
- more restrictions on coverage offered
- lower policy limits
- restrictions limiting coverage only to the specific travel segments sold by the reseller
- hidden restrictions tied to the vacation, air, cruise, rail, tour, or resort stay contract which further restrict or limit policy coverage
- insurance underwritten by insurance companies having a poor or no rating from A.M. Best (the U.S. insurance rating agency)
CM TRAVEL 4FUN advises clients to NEVER purchase travel insurance from ANY of the above travel insurance resellers!
TRAVEL INSURANCE from CM TRAVEL 4FUN
Why is CM TRAVEL 4FUN your best resource for travel insurance?
- CM TRAVEL 4FUN travel insurance coverage is sold and supported by a licensed travel insurance professional.
- CM TRAVEL 4FUN is the only travel agency in Washington offering coverage risk-matched to the traveler and their travel itinerary.
- CM TRAVEL 4FUN offers insurance from an agent with prior experience as a licensed professional multiple lines insurance agent.
Contact your CM TRAVEL 4FUN agent …your travel and travel insurance professional!
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