Travel Insurance for Wine Trips – Forbes Advisor

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Wine tours are fun getaways, but like any other type of trip, there’s always the risk that unforeseen circumstances will unfold and could ruin your trip. Pairing your stay through wine country with a travel insurance plan can give you a sip of peace of mind if your plans go awry.

“Since wine tours tend to be planned to celebrate big events, like bachelorette parties, birthdays or family reunions, it’s not something you want to risk missing” , says Chris Carnicelli, CEO of Generali Global Assistance. “Loss of luggage, trip cancellations or delays, medical issues, short-term rental car damage, or even just itinerary changes are all things that could impact your fun trip.”

To protect both your travel investment and your personal belongings, consider purchasing comprehensive travel insurance as a financial safety net.

Here are some tips on what a travel insurance policy should include when planning wine tours.

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Trip cancellation insurance: clearing your travel palate

Whether you’re heading to Sonoma, California, or the Texas Hill Country near San Antonio, wine regions offer unique opportunities to sample products from numerous wineries and pair wines with culinary experiences. Many of these immersive experiences must be prepaid and are often non-refundable.

Trip cancellation insurance can reimburse you for 100% of prepaid deposits and non-refundable expenses you lose if you have to cancel the trip due to an unforeseeable event, such as a death in the family. Reimbursement may include expenses for hotel rooms, private transportation, or wine dinners.

In addition to a family emergency, trip cancellation benefits typically also compensate for cancellations due to illness or injury and extreme weather conditions, among other unforeseen events. But there are limits to cancellation cover – not all reasons will be covered by your insurance policy. For example, you would not be reimbursed if you learned that your favorite winery in Napa is closed for renovations, and you would prefer not to visit it during this time.

Cover “Cancel for any reason”

Consider getting “cancellation for any reason” coverage if you want the freedom to cancel your trip for circumstances other than those listed in a standard insurance policy. Many travel insurance companies offer this as an upgrade to a standard policy.

“Cancellation for any reason” insurance (CFAR) represents on average 50% more on the cost of travel insurance. But whatever your reason for wanting to skip your trip, you can usually be reimbursed 50% or 75% of your non-refundable, prepaid travel costs if you make a “cancellation for any reason” claim. .

The compensation percentage depends on your insurance company, so read your policy for details. It is also important to note that you must cancel at least 48 hours before your departure date to make a claim under CFAR coverage.

Trip delay insurance is worth the wait

Trip delay insurance can help you recover prepaid, non-refundable losses if you arrive late at your destination and miss events you have planned. For example, you could make a trip delay claim if you’re traveling by train to Virginia to take advantage of the area’s many wine tours and your train is canceled due to a mechanical breakdown. If you prepaid a catered lunch with wine pairings or a spa treatment and cannot get a refund, you can apply for Trip Delay Insurance to receive a refund.

Trip delay insurance can also compensate you for meals, accommodation, transportation and personal necessities if, for example, your flight is canceled due to a storm and you are stranded at the airport during the night.

Trip Delay Insurance benefits are not effective immediately. Instead, coverage typically begins after a specified duration. For example, your plan may begin providing benefits after a six-hour delay.

It is also important to note that trip delay coverage will have a daily limit and a maximum total benefit limit per person.

Trip Interruption Insurance for Vintage Enthusiasts

Having to come home early from vacation is as bad as drinking “Two Buck Chuck” wine from a paper cup. Unfortunately, this can happen if you receive bad news from home, such as a seriously ill family member.

Trip interruption insurance can cover the cost of purchasing a last-minute return ticket, as well as other transportation costs. It can also refund unused, prepaid, non-refundable money you lose. For example, you can file a claim if your early departure means you’ll miss a private tour of the Pacific Coast, through the redwood forest, on the way to Sonoma.

Cover a nice bunch of lost luggage and personal items

No one wants to attend a wine tasting wearing the leggings or sweatpants and oversized singlet they wore on the plane. Baggage loss and delay insurance can help cover the cost of replacement clothing and other necessities you’ll need to purchase for your trip.

Baggage delay refunds are generally around $200 per person per day. This per diem is for essential items and is not intended to fund the full replacement of your belongings.

Your travel insurance plan may also reimburse you, up to your policy limits, for personal effects lost or stolen during your trip. For example, if your camera is stolen from a winery, you can file a claim with your insurance company.

It is important to read the fine print of a travel insurance policy. There are limits on the amount you will be reimbursed for each item, as well as an overall cap on the total benefit amount. Also be aware that you are generally only reimbursed for the depreciated value of your property.

Be sure to file a theft report with the local police. You will need this documentation when filing a claim.

Medical expenses and emergency medical evacuation

If you are traveling to the United States, your health plan or Medicare should cover medical expenses. But if you’re touring wineries outside the United States, your health plan may provide little or no coverage. Ask your health insurance provider about worldwide medical benefits.

If you need medical treatment abroad, your travel medical insurance can compensate you for doctor’s visits, medications, diagnostic tests and even a hospital stay. That’s why it’s a good idea to get generous travel medical coverage limits. For example, some policies provide up to $500,000 for medical expenses.

Emergency Evacuation Insurance can be used if you have a critical medical condition that requires transportation to an adequate treatment center. For example, if you are exploring the Jura wine region in the French mountains and have a stroke, medical evacuation benefits can pay for medical evacuation. And your travel insurer’s emergency assistance team can arrange medical evacuation.

Special circumstances for wine tours

Overindulgence can happen at wine tastings and wine tours, so it’s important to understand the scope of your travel insurance policy. It is common for travel insurance plans to reject claims for incidents that occur while you are under the influence of alcohol (or recreational drugs).

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