Q. Why should I purchase travel insurance for my vacation? A. You've saved, you've waited, and now you're all set to travel. Preparing for your trip includes covering yourself for unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing travel insurance, you can insure yourself for covered cancellation penalties, medical costs, as well as gain access to a wide range of traveler's assistance services.
Did you know that the All Seasons Travel Plan could cover you if: • Someone in your family has an illness or injury, even if they aren't scheduled to travel with you • You become ill and can't travel or your child comes down with the chicken pox and you are quarantined • Weather prevents you from leaving home and reaching your destination • A family member back home passes away and you must return from your vacation early • Your luggage is lost or delayed by the airline • You twist your ankle and must visit a physician while traveling • Many other unforeseeable events as listed in the Description of Coverage
What are the coverages? • Trip Cost - Trip Cancellation & Interruption (covers trip costs up to $100,000) Covers your trip investment if you must cancel or interrupt your trip for covered reasons such as sickness, injury or death to you, your traveling companion, family member, service animal or buisness partner; severe weather; being subpoenaed or required to serve on jury duty, being called into active military service or having leave revoked or being reassigned, or if your primary residence or destination is made uninhabitable. For a complete list of covered reasons, please refer to the Description of Coverage.
• $600 ($200 per day)- Trip Delay Reimburses for the purchase of essential items (i.e. meals, toiletries, etc.) if delayed for 12 or more hours because of a common carrier delay, lost/stolen passport, travel documents or money, quarantine, natural disaster, injury or sickness of the insured or a traveling companion. • $250- Missed Connection Reimburses for additional transportation expenses and unused prepaid non-refundable trip payments if you miss a trip departure because of a cancellation or delay of 3 or more hours of all regularly scheduled airline flights due to inclement weather or carrier caused delay. • $1,000- Baggage Delay If your baggage is delayed for more than 12 hours, you will be reimbursed for the purchase of essential items (i.e. clothing, toiletries, etc.) • $1,000- Baggage, Sportsman Equipment and Personal Effects: Reimburses you if your baggage is lost stolen or damaged while on your trip. • $25,000 - Medical Expense Covers emergency medical expenses incurred while traveling; includes emergency dental treatment up to $1,000. • $500,000- Emergency Evacuation & Repatriation of Remains Covers evacuation and transportation to the nearest adequate medical facility (or home in the event of death or if medically required) as well as a medical escort if deemed necessary. • $100,000- Accidental Death & Dismemberment Covers for loss of life or limb within 180 days of an accident on your trip. • $25,000 Car Rental Collision Coverage Covers damage due to collision, vandalism, theft, windstorm, fire, hail or flood. Assistance Services • Included – Travel Medical Assistance* • Included – Worldwide Travel Assistance* • Included – LiveTravel Emergency Assistance* • Included – Concierge Services* • Included – Identity Theft (not available to NY residents)* • Included – Pet Return Service* • Included – Vehicle Return Service* • Included – $100 Roadside Assistance (provided by Coach-Net Services Inc.)
*These are non-insurance services provided by Travel Guard. Q. Are the benefits listed per insured or per booking? A. The Trip Cancellation & Interruption coverages are per booking. All other coverages are per person. For example if the insured purchased travel insurance coverage for a trip costing a total of $2,000, this would be the maximum reimbursement allowable under trip cancellation or interruption for that booking.
Q. Will my current homeowners, renters, credit card, or health insurance policies cover me during my trip? A. Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip. This insurance travel plan has a wide range of travel benefits; which credit card, homeowners, and renter’s insurance policies may not offer. Q. I know that I have a pre-existing medical condition; will the plan cover me? A. Even if you have a medical condition that has been unstable in the last 60 days, you should still consider enrolling in this insurance protection plan because you can waive the Pre-Existing Condition exclusion by enrolling in the plan and paying for it within 21 days of your initial deposit. So long as you are medically able to travel at time of purchase, waiving the Pre-Existing Condition exclusion is the easiest way to alleviate doubt as to coverage for chronic medical conditions. There are some conditions that are not covered by the policy such as anxiety-related mental or nervous disorders. Please see the Exclusions section of the Description of Coverage to view these coverages.
Q. What if I need transportation due to medical reasons and I am unable to get prior authorization from Travel Guard? A. We always instruct our insureds to contact local medical services during an emergency for immediate medical attention, or evacuation if necessary, and then notify Travel Guard as soon as is reasonably possible. Payment arrangements for your evacuation will depend on the nature of your particular situation and should be discussed with Travel Guard.
Q: Will my vacation be covered if I cancel due to a hurricane? A: You will have coverage if the property that you are staying at is inaccessible or uninhabitable within 30 days after the named hurricane causes the damage.
Q. Is there help while I'm traveling? A. One of the valued benefits offered in this insurance protection plan is the 24-Hour Emergency Assistance Service. Travel Guard is a leader in this field. With the Assistance Services, you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, and referrals. They are also equipped to respond in many unexpected circumstances. If an emergency should arise during your trip, call Travel Guard immediately and give the details of your problem or medical emergency.
Q. Where can I call for more information? A. You may call Travel Guard at 1.877.249.5376, with any questions regarding the travel insurance. Their service representatives will be happy to assist you.
Q. When is the latest the insurance can be purchased? A. The coverage can be purchased up until 24 hours prior to departure.
Q. How do I file a claim? A. In the event of a claim, please notify your booking agent immediately. Then call Travel Guard at 1.877.249.5376 and refer to product #008574 P1 8/09 to start your claim.
Because unforeseen circumstances may arise, we strongly recommend you purchase the All Seasons Travel Plan. Coverage may be purchased any time up to 24 hours before departure. The All Seasons Travel Plan includes the following coverages*:
Trip Cost: Trip Cancellation Covers you if you cancel your trip for a covered reason.
Trip Cost: Trip Interruption* Covers you if you interrupt your trip for a covered reason.
$600: Trip Delay Reimburses up to $200 a day for Reasonable, Additional Expenses for meals and accomodations if your Trip is delayed for more than 6 or more hours due to covered reasons.
$250: Missed Connection Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for three or more hours to your point of departure. $1,000: Baggage Sportsman Equipment & Personal Effects Can reimburse you if your Baggage is lost, damaged, or stolen while you are on your Trip.
$1,000: Baggage Delay ($200 per day) If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects.
$25,000: Medical Expense Covers necessary medical expenses on your trip provided injury or sickness occurred while on your trip, and initial medical treatment was received while on your trip.
$500,000: Emergency Evacuation & Repatriation of Remains
Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility, (home in the event of death or if medically required).
$100,000 Accidental Death & Dismemberment Covers for loss of life or limb within 180 days of an accident on your trip.
$25,000 Car Rental Collision Coverage Covers damage due to collision, vandalism, theft, windstorm, fire, hail or flood.
24/7 WORLDWIDE ASSISTANCE SERVICES**:
Travel Medical Assistance A menu of services available for emergency medical requests, including prescription replacement, physician referrals, medical evacuations, and more.
Emergency Travel Assistance
Dedicated LiveTravel counselors available to help with any travel request, including flight or hotel rebookings, rental car reservations, roadside assistance, and more.
Worldwide Travel Assistance
Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information; and more.
Concierge Services
Whatever you need, whenever, wherever you need it, you can call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. You need it, we’ll find it for you.
Identity Theft Assistance (not available to NY residents)
If your identity is stolen during your trip, our emergency travel counselors will assist in contacting your credit card companies, monitoring your credit report and working with local authorities to help you restore your identity.
Total Premium is 7% of total trip cost (Maximum of up to $100,000 per booking
Vehicle Return Assistance: Provides transportation for your automobile back to your primary residence should you become ill/injured and unable to drive
**Non-insurance services are provided by Travel Guard.
You automatically get the following coverage at no additional cost when you purchase the All Seasons Travel Plan within 21 days*** of making your initial trip payment:
Coverage if pre-existing medical conditions force you to cancel or interrupt a Trip. Applies to the first $25,000 per person/$50,000 per booking of Trip Cost. (Limitations apply.)
**Insurance coverage subject to limitations, exclusions and terms and conditions of policy. ***Day one is the date the trip deposit is received.
While the overall residential market is still down, sales of vacation homes fared better than primary residences and investment properties in 2011. Low prices, attractive mortgage rates, when you could get them, and potential for appreciation were reasons to buy vacation homes last year.
According to the National Association of Realtors (NAR) 2011 Investment & Vacation Home Buyers Survey and Special Report for HomeAway:
8 out of 10 buyers of vacation homes plan to use their property for vacations or a family retreat.
3 in 10 plan to convert their vacation home to their future principal residence.
Investment buyers are most interested in renting their home and taking advantage
of a good opportunity.
74% plan to rent their vacation property for short term vacations
94% say they do plan to rent their property to long or short term buyers in the next 12 months
69% cited rental income as a factor in their decision to purchase a vacation home in 2011
Of those who do NOT plan to rent their property in the next 12 months, 49% would consider renting in the future
If in the future they could not afford to pay the mortgage, 36% would prefer to rent the home as a short-term rental, 29% would prefer to sell it.
The facts above show that many people are investing in Vacation Rental Homes in South Florida. Prices are very reasonable and many people understand that they are making a Long Term Investment.
If you like to purchase a Vacation Home in South Florida. Click floridakoshervillas@gmail.com
Mar 22, 2012 7:49 AM (in response to Mrs.Markowitz)
Re: Should I be worried if a property has no reviews posted?
Question: Can you give us more info we want to rent one of your homes in July, but don't see enough reviews yet. Answer: Please don't judge a book by its cover only, and please don't make your choice based SOLELY on reviews. Certainly reviews are additional information that helps you get a better feeling about a property, but the reality is that most guests do not leave a review, also there are new owners with no reviews and empty calendars, or homes that are open for rent part of the year. I rather see no reviews or very few reviews rather than owner disguised self written reviews.
Pick your vacation home by some key attributes:
1. Location (The destination you want) Obviously, we recommend North Miami Beach. 2. Home Availability (Open in the calendar) 3. Price (within your price range) 4. Pictures (Don't expect perfect pictures, most homeowners put up their own pictures and do not hire a professional photographer) We hire professionals to do our pictures and YouTube Videos so you can see exactly what your home will look like. 5. Comfort (Are the rooms, living room, pool, etc what you are looking for? Do you see yourself relaxing there?) 6.Amenities of the home and pool area. 7. Distance to Shuls, Shopping & Restaurants
8. Reviews (If any) should be carefully read to get a general idea of whether MOST people have enjoyed staying in the home. There will always be a few negative reviews by disgruntled customers in every business.
MORE IMPORTANT THAN ANYTHING IS: The Owner's response and proactiveness in supplying you with all you need to make a decision. A owner or property manager that responds quickly to your requests and is passionate about making your vacation something special with happy, pleasant memories is someone you want to trust with your Kosher Florida Vacation.
We are hoping to see you on your next vacation!! Thanks for writing us ! The FKV Team, Miami, FL
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