What should my Travel Insurance policy cover?

At Soca Islands, we understand the importance of flexibility and protection when planning your travels. We strongly recommend travelers purchase a comprehensive travel insurance plan that covers cancellations for any reason (CFAR). This will allow you to travel with confidence, knowing that your journey is safeguarded against unexpected challenges. Please note that most insurance providers require that you purchase the appropriate insurance within 20 days of making your initial trip deposit.

Here’s what your comprehensive travel insurance should cover:

  1. Trip Cancellation: Your insurance policy should include Cancellations For Any Reason benefits, which allows you to cancel your trip and receive reimbursement for your prepaid expenses. Some scenarios that can be covered by Cancel For Any Reason benefits, but not standard Trip Cancellation benefits:
    • Worry or fear over travel because of COVID-19 or other safety concerns
    • You change your mind about going on the trip completely and would rather stay home
    • Unexpected family situation
    • Moving or starting a new job the week you were supposed to travel
    • Getting called up for Military training or deployment
    • You and your traveling companion no longer want to travel together
  2. Trip Interruption: In case your trip gets interrupted due to unforeseen circumstances, such as a medical emergency, your insurance plan should ensure that you are reimbursed for the unused portion of your trip.
  3. Emergency Medical Expenses: Your insurance policy should provide coverage for medical emergencies that may arise while you are traveling. This includes hospitalization, doctor’s visits, prescription medications, and medical evacuation if necessary.
  4. Travel Delay: If your travel plans are delayed due to reasons beyond your control, such as bad weather, your insurance should cover additional expenses like accommodation and meals during the delay.
  5. Baggage Loss or Delay: In the unfortunate event that your baggage is lost, stolen, or delayed during your trip, your travel insurance should offer compensation for the replacement of essential items and clothing.
  6. Emergency Assistance: Your insurance provider should offer 24/7 emergency assistance services to help you navigate challenging situations while traveling, including medical referrals, legal assistance, and coordination of emergency evacuation.
  7. Travel Accidents: Your insurance plan should provide coverage in the event of accidents during your trip.
  8. Trip Termination: If you are forced to terminate your trip due to an unexpected event,  your insurance policy will help you recover the non-refundable portion of your trip costs.

Purchase Travel Insurance

Soca Islands is proud to announce its collaboration with Redpoint Resolutions, offering travelers an all-encompassing travel insurance plan that ensures peace of mind during their journeys. This travel insurance not only safeguards your trip but also provides coverage for various unforeseen circumstances, including cancellations for any reason (CFAR).

Ripcord Rescue Travel Insurance [BUY NOW]

  • Trip cancellation/interruption/delay coverage
  • Primary medical expense coverage up to $100,000, emergency dental, and baggage loss coverage
  • Medical evacuation from point of illness or injury to your home hospital of choice
  • 24/7 travel assistance

Cavalry Elite Travel Insurance [BUY NOW]

  • Trip cancellation/interruption/delay coverage
  • Primary medical expense coverage up to $100,000, emergency dental, and baggage loss coverage
  • Medical evacuation from the nearest medical facility to your home hospital of choice
  • 24/7 travel assistance

Harbor Travel Insurance [BUY NOW]

  • Trip cancellation/interruption/delay coverage
  • Primary medical expense coverage up to $100,000, emergency dental, and baggage loss coverage
  • Medical evacuation from current facility to the nearest appropriate facility if deemed medically necessary by attending physician
  • 24/7 travel assistance

For more information, feel free to contact your SOCA ISLANDS rep, send an email to [email protected], or call/WhatsApp +18683882937.