Travel Insurance Disclaimer:

Important Notice Regarding Travel Insurance

PLEASE READ THIS DISCLAIMER CAREFULLY

General Advisory

This travel agency strongly recommends that all travelers consider purchasing comprehensive travel insurance to protect against unforeseen circumstances that may affect your travel plans. However, please note the following important information:

Not Insurance Providers

  • We are not insurance providers, underwriters, or licensed insurance agents

  • We may offer travel insurance products through third-party insurance companies as a service to our clients

  • Any insurance purchased through us is underwritten by licensed insurance companies, not by our agency

No Guarantee of Coverage

  • Travel insurance policies have specific terms, conditions, exclusions, and limitations

  • Coverage varies significantly between different insurance providers and policy types

  • We cannot guarantee that any particular incident, loss, or expense will be covered under your policy

  • Pre-existing medical conditions may not be covered unless specifically included in your policy

Client Responsibility

It is your responsibility to:

  • Carefully read and understand all policy documents, terms, and conditions

  • Verify that the coverage meets your specific needs and circumstances

  • Contact the insurance provider directly for detailed coverage questions

  • Report claims directly to the insurance company according to their procedures

  • Maintain all necessary documentation for potential claims

Types of Coverage to Consider

Travel insurance may include coverage for:

  • Trip cancellation or interruption

  • Medical emergencies and evacuation

  • Lost, stolen, or delayed baggage

  • Travel delays

  • Accidental death and dismemberment

Note: This list is not exhaustive, and actual coverage depends on the specific policy purchased.

Exclusions and Limitations

Common exclusions may include (but are not limited to):

  • Pre-existing medical conditions (unless waived)

  • High-risk activities or extreme sports

  • Travel to countries under travel advisories

  • Mental health conditions

  • Pregnancy-related complications (unless specifically covered)

  • Acts of war or terrorism (coverage varies)

  • Alcohol or drug-related incidents

Time-Sensitive Purchase Requirements

  • Many travel insurance benefits require purchase within a specific timeframe after initial trip deposit

  • "Cancel for Any Reason" coverage typically must be purchased within 14-21 days of initial trip payment

  • Pre-existing medical condition waivers often require purchase within 14-21 days of initial payment

Agency Limitations

Our agency:

  • Cannot provide legal or insurance advice

  • Cannot interpret policy coverage or exclusions

  • Cannot guarantee claim approval or processing times

  • Cannot modify insurance policy terms or conditions

  • Is not responsible for denied claims or coverage disputes

Recommendation

We strongly advise:

  1. Purchasing travel insurance as early as possible after booking your trip

  2. Reading all policy documents thoroughly before purchase

  3. Contacting insurance providers directly with specific coverage questions

  4. Considering your individual health, travel plans, and risk tolerance

  5. Comparing multiple insurance options and providers

Contact Information

For questions about insurance policies, claims, or coverage details, contact your insurance provider directly using the contact information provided in your policy documents.

Acknowledgment

By proceeding with travel arrangements through our agency, you acknowledge that:

  • You have read and understood this disclaimer

  • You understand that travel insurance is optional but recommended

  • You are responsible for evaluating and selecting appropriate coverage

  • You will review all insurance policy documents independently

  • You understand our role as a travel agent and our limitations regarding insurance matters policy.