The University of Michigan, Michigan State, Eastern Michigan, Central Michigan, Ohio State, and Notre Dame spring breakers! We know that you and your friends have been looking forward to spring break for months, but you may not be as prepared as you think.
You have your hotel booked and plane tickets in hand—what more do you need, you might ask? What about protecting yourself during your time away from school with spring break travel insurance? Do you have a plan for partying without putting yourself in risky situations? While you may just want to get to where you’re headed, you need to be smart about your travel planning so that your spring break is fun and safe. Here are some tips to help you protect yourself:
Consider spring break travel insurance and keep your insurance information with you
We’re guessing that purchasing the latest beachwear is higher on your spring break to-do list than purchasing the appropriate spring break travel insurance. However, if you’re injured or something happens to your return flight while you’re away, that new swimsuit isn’t going to help you much—but spring break travel insurance will.
Depending on your policy, spring break travel insurance can cover the costs related to lost luggage, flight delays and medical emergencies which may happen no matter where you travel. Many travel insurance plans include travel assistance services, so you don’t have to worry about rebooking flights or accommodations. Once you have your insurance, be sure to keep the policy information close at hand, just in case.
Know the details of your other insurance coverage, too
Maybe you’re not going too far on spring break, just taking a little road trip to spend a few days with friends. If you’re borrowing your parent’s car, you’ll need to know the details of the auto insurance policy for the car you’re driving and where it’s kept (in the glovebox, for example). It’s also a good idea to have the name and phone number of your insurance representative with you, for easy reference.
If you’re still on your parents’ medical insurance—or if you have your own—take this information and your insurance cards with you. Remember, if you travel outside of your health insurance network you may pay higher out-of-network rates, and, if you travel outside the country, your medical insurance is likely invalid so you’ll either need to purchase additional travel medical insurance or pay for any services you need with cash or a credit card.
Be very cautious to avoid being a victim of crime
Spring breakers are obvious targets for criminals, so keep this top of mind while you’re away. Don’t carry more cash than you need, report your room key stolen if you lose it and do not go anywhere alone—especially to ATMs, nightclubs or quiet areas off the beaten path. Make a pact to only go out with friends who will look out for you—and vice versa. Don’t take drinks from strangers and don’t leave your beverages—or your buddies—unattended. Also, keep your cell phone charged at all times so that you can make emergency calls and let your friends know where you are.
Avoid risky behaviors that can harm you or cost you money
Here’s something that not many people consider: travel insurance plans usually exclude coverage if the person that they cover is engaged in illegal acts. Travel insurance policies also exclude coverage for incidents that occur while the insured is under the influence of alcohol or illegal drugs since this means that you are willfully putting yourself at risk. Of course, when you are drunk you are also an easy target for criminals, so drinking responsibly should be the ultimate goal.
All across the country this month, students will be enjoying time off from their classes—but that doesn’t mean that you should abandon common sense or leave yourself vulnerable to financial or physical risks. Our insurance professionals are happy to answer any questions you may have about spring break travel insurance. It doesn’t take long to protect yourself with the right insurance coverage, so, before you leave on your spring break adventure…Let’s Talk!
Leah Cobb has been with Kemner Iott Benz for 8 years working in our customer service department. She loves to be outdoors, whether it is going for a walk or playing with her daughter Lillian. She also enjoys art and traveling to new places.
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