Travel Insurance for Wine Tour Trips – Forbes Advisor

Wine tours are a fun vacation, but like any other type of travel, there’s always the risk that something unexpected can happen and ruin your trip. A stay in wine country combined with a travel insurance plan can provide you with a morsel of peace should your plans fall flat.

Chris Carnicelli, CEO of Generali Global Assistance, said: “Loss of luggage, trip cancellations or delays, health issues, short-term rental car damage, and even itinerary changes can all affect an enjoyable trip.”

Consider purchasing a comprehensive travel insurance plan as a financial safety net to protect both your travel investment and your personal belongings.

Here are some tips on what to include in your travel insurance when planning a wine tour.

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Trip Cancellation Insurance: Cleansing Your Travel Palate

Whether in Sonoma, California or in the Texas Hill Country near San Antonio, wine regions offer unique opportunities to sample products from many wineries and pair food and wine. Many of these immersive experiences require advance payment and are often non-refundable.

Trip cancellation insurance can refund 100% of your prepaid deposit and lost non-refundable expenses if you need to cancel your trip due to an unforeseen event such as the death of a family member. Reimbursement includes hotel room charges, private transportation, or the cost of a wine dinner.

In addition to family emergencies, travel cancellation benefits typically cover cancellations due to illness, injury, and inclement weather, among other unforeseen events. However, cancellation coverage is limited and not all reasons are covered by insurance. For example, if you find out that your favorite winery in Napa is closed for renovations, you will not receive a refund and you do not want to visit during that time.

“Cancellation for any reason” compensation

If you feel free to cancel your trip in circumstances other than those covered by your standard insurance policy, consider getting ‘cancellation for any reason’ coverage. Many travel insurance companies offer this as a standard policy upgrade.

“Cancellation for any reason” (CFAR) insurance adds an average of 50% to the cost of your travel insurance plan. However, regardless of the reason you wish to skip your trip, if you file a “cancellation for any reason” claim, we will generally refund 50% or 75% of your prepaid non-refundable travel costs.

Coverage percentages vary by insurance company, so please read your insurance policy for details. It is also important to note that cancellations must be made at least 48 hours prior to departure date in order to make a claim under CFAR coverage.

Travel delay insurance is worth the wait

Travel delay insurance helps you recover prepaid, non-refundable losses in the event that you arrive late at your destination and miss your scheduled event. For example, if you travel to Virginia by train, enjoy one of the region’s many fine wine tours, and the train is canceled due to mechanical failure, you can claim travel delays. If you prepaid for a catered lunch and wine pairing or spa treatment and are unable to receive a refund, you may submit a travel delay insurance claim to receive a refund.

Travel delay insurance can also cover meals, accommodations, transportation, and personal essentials if, for example, your flight is canceled due to a storm and you are stranded overnight at the airport.

Travel Delay Insurance benefits do not become effective immediately. Instead, coverage usually starts after a specified time. For example, the plan may start offering benefits after his 6-hour delay.

It is also important to note that Travel Delay Coverage has a daily coverage and a total maximum coverage limit per person.

Travel interruption insurance for vintage bummer

Having to come home early from vacation is as unpleasant as drinking “Two Buck Chuck” wine out of a paper cup. I have.

Travel interruption insurance can cover the cost of buying a last-minute ticket to get home, as well as other transportation costs. You can also refund unused prepaid non-refundable money that you have lost. For example, if your early departure prevents you from taking a private he tour of the Pacific coast en route to Sonoma through the redwood forests, you can file an insurance claim.

Cover a bouquet of lost baggage and personal items

No one wants to wear leggings, sweatpants and oversized jerseys to a wine tasting on an airplane. Baggage loss and delay insurance helps cover the cost of clothing and other replacement essentials you may need to purchase for your trip.

Baggage delay refunds are generally around $200 per person per day. This per diem is for necessities and is not a fund to fully replace your belongings.

Your travel insurance plan will also cover personal items lost or stolen during your trip, up to the limit of your contract. For example, if a camera is stolen from a winery, you can file a claim with your insurance company.

It’s important to read the fine print on your travel insurance policy. There are limits on how much you can redeem for each item, and there’s an overall cap on the total reward value. Also note that generally only the depreciation of your property is reimbursed.

Be sure to report the theft to your local police. You will need this document when making a claim.

Medical Expenses and Emergency Medical Transportation

If you travel to the United States, your health insurance or Medicare must cover your medical expenses. However, if you are on a wine tour outside the US, you may have little or no health insurance coverage. Check with your health insurance company for global medical benefits.

If you need medical treatment abroad, travel medical insurance can cover doctor visits, medications, diagnostic tests and even hospitalization. This is why it is wise to get generous travel medical coverage. For example, some policies offer up to $500,000 in medical expenses.

Emergency evacuation insurance can be used if you have a serious medical problem that requires transportation to an appropriate treatment center. For example, if you were exploring the Jura wine region in the mountains of France and suffered a stroke, your medical evacuation benefit could pay for medical aid. Your travel insurance company’s emergency assistance team can also make life-saving arrangements.

Special Circumstances of Wine Tours

Wine tastings and wine tours can be oversaturated, so it’s important to understand travel insurance coverage. It is common for travel insurance plans to deny claims for accidents that occur while under the influence of alcohol (or recreational drugs).