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Allianz Global Assistance
There’s nothing like the excitement that comes with booking a big trip – dreaming of wandering aimlessly around Italian piazzas or floating in the crystal waters of the Mediterranean are at the forefront of your client’s mind. But often, it takes some convincing to have them prepare in case things don’t go as planned, as many fail to recognize the value of travel insurance and the lengths to which it can go in protecting their investment. Allianz Global Assistance offers licensed travel insurance advisors these talking points to use when offering travel insurance to their clientele:
PLAN AHEAD FOR PEACE OF MIND.
No one can predict the future, but you can help your clients plan ahead for unforeseen circumstances that may force travellers to cancel a trip before they even take off, whether an illness, emergency surgery or a work situation. Let them know that travel insurance suited to their needs can potentially save the heartbreak of having to pay for a vacation that they are unable to take. Need another case for offering peace of mind? Travel insurance can also reimburse clients for the replacement of essentials if their bags are delayed, damaged or stolen.
PUT YOUR HEALTH FIRST.
Wouldn’t you want someone looking out for your health when planning a trip? Travel insurance can still be a tough sell for many travel agents because travellers often view the product as an add-on versus a necessity. Ensure your clients know that Canadian healthcare doesn’t travel with them and that out of province coverage can be limited; just one air ambulance flight could drain a future retirement account or deplete a homeowner’s equity line of credit. Investing in travel insurance helps protect clients against these unexpected costs. Further, travel insurers are often able to recommend a qualified facility in case something goes wrong – affirming to clients that they can receive help from a reputable health care provider – so they can get back to enjoying their trip.
IT’S BEST TO ENSURE YOU’RE COVERED.
With businesses and the local dollar taking a dip at every turn, it can be tough to plan a vacation without worrying about uncontrollable factors. And while these factors may be out of their control, with travel insurance, clients may be reimbursed for their pre-paid expenses if a cruise line, airline or tour operator goes out of business. Ensuring your clients have a plan in place means they won’t be left high and dry if the tour operator for their scuba diving trip, multi-week tour, all-inclusive beach stay or cruise go under.
CREDIT CARD COVERAGE MAY NOT CUT IT.
When something goes wrong on a trip, travellers who paid with a credit card can dispute the charges, but they may not be reimbursed. Credit cards are not designed, nor are they intended, to protect vacations. Further, the travel insurance coverage included on the average credit card is typically not as extensive as a separate travel insurance plan. Another frequently overlooked card limitation is the travel insurance coverage included may only apply to the principal cardholders.
CASH IS KING.
A refund isn’t really a refund unless you can spend it anywhere you want, on whatever you want. Often, when something goes wrong in the world of travel, suppliers offer a credit voucher with plenty of stipulations. Clients should be advised that travel insurance, on the other hand, can provide reimbursement in the form of their original payment. It’s one of the best ways to protect their valuable investment – and assure that even if this vacation doesn’t go as planned, they’re able to plan another one. Chances are they’ll be satisfied with your recommendation and in turn, come back to you for travel insurance again and again.
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Travel insurance does not cover everything. For complete terms and conditions, including limitations and exclusions, always refer to the policy booklet. Allianz Global Assistance is a specialist brand of Allianz Partners for assistance and travel insurance and is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.