YOU Magazine - April 2012 - Vacation: All I Ever WantedInsuring a Smart and Safe Trip
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Ricky Khamis     Ricky Khamis
Corporate Branch Manager
Amerifirst Financial, Inc NMLS 145368
Phone: 480-559-9609
Fax: (480) 907-1451
License: NMLS173141
Amerifirst Financial, Inc NMLS 145368
April 2012

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Vacation: All I Ever Wanted
Insuring a Smart and Safe Trip

Vacation: All I Ever WantedInsuring a Smart and Safe Trip

Summer is right around the corner, and that means many people are starting to plan some kind of summer getaway. And when you're thinking about fun in the sun, the last thing you want to do is worry about any financial loss that might occur as a result of a missed flight, an injury or illness, lost baggage, or any other unforeseen incident.

To ensure your peace of mind while away from home, many companies provide several different types of traveler's protection plans to help ease the burden.

Without insurance, a traveler can lose nonrefundable deposits and prepayments that can add up to hundreds, or even thousands, of dollars. A good, comprehensive travel insurance plan will often reimburse a traveler for all pre-paid, nonrefundable expenses for a covered loss.

Here are some general types of coverage you may want to consider before heading out for this summer's vacation:

Travel Arrangement Protection:  This covers you in case of trip cancellation, interruption, or travel delays (these can include inclement weather, lost or stolen passports, quarantine, hijacking or natural disaster).

Medical Protection:  Just because you have health insurance at home, the moment you set foot on foreign soil or even set sail on a cruise, many health plans are considered null and void, so be sure you get travel medical protection to cover emergency medical expenses, such as illness and accident expenses, and emergency medical transportation to the nearest medical facility.

Baggage Protection:  Not only do you want coverage for lost, stolen or damaged baggage, but many plans offer reimbursement for the purchase of essential items if baggage is delayed.

Worldwide Emergency Assistance:  If traveling outside of the country, make sure you purchase a policy that covers international emergencies. This can include emergency cash transfer assistance, legal assistance, and lost travel documents assistance.

The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is 5-7 percent of the trip cost. Like most every other type of insurance, be it automobile, medical, or homeowner's, you hope you never need to use it. But it can be a relief to have it when you do need it.

The bottom line is: Before embarking on your next trip, do your homework! Talk to your insurance agent and learn more about all the different insurance options available to you, so you can make the best choice for your peace of mind!

National Disclaimer AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright 2012. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst is required to disclose the following license information: Click Here for Licensing Information.

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Amerifirst Financial, Inc NMLS 145368
1550 E. McKellips Road, Suite 117
Mesa, AZ 85203

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