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Traveling is one of the most exciting activities we can do. It’s a great way to learn about new cultures, meet new people, and create wonderful memories. However, traveling also comes with some risks that can have significant financial implications. That’s why it’s essential to protect your trips with travel insurance, especially when you’re traveling abroad. In this article, we’ll discuss everything you need to know about IHG travel insurance, including what it covers, how to purchase it, and much more.
What is IHG Travel Insurance?
IHG, which stands for InterContinental Hotels Group, is one of the largest hotel chains worldwide, owning over 5,500 hotels in around 100 countries. IHG travel insurance is an add-on option that you can purchase when making your hotel reservation, whether you’re traveling for business or leisure. It provides coverage for unexpected events that can occur before or during your trip, such as trip cancellation or interruption, medical emergencies, and baggage loss or delay.
What Does IHG Travel Insurance Cover?
IHG travel insurance covers various potential issues that could affect your trip, such as:
| Coverage | Description |
|---|---|
| Trip Cancellation and Interruption | Reimburses you for non-refundable expenses if you must cancel your trip due to covered reasons, such as illness, injury, or severe weather conditions. Also, covers expenses if you’re forced to interrupt your trip for the same reasons. |
| Emergency Medical and Dental | Covers medical and dental expenses if you become ill or injured during your trip. Also, provides emergency medical evacuation if needed. |
| Baggage Delay and Loss | Provides reimbursement if your baggage is delayed, lost, or stolen during your trip. |
| Travel Delay | Provides reimbursement for additional expenses, such as accommodations and meals, if your trip is delayed due to covered reasons, such as severe weather conditions or transportation problems. |
| 24-Hour Assistance | Provides emergency assistance, such as medical referrals, legal assistance, and travel information, 24/7 worldwide. |
How Much Does IHG Travel Insurance Cost?
The cost of IHG travel insurance varies depending on various factors such as your age, destination, the length of your trip, and the level of coverage you choose. However, in general, it’s affordable, ranging from $1 to $10 per night, approximately.
How to Purchase IHG Travel Insurance?
You can purchase IHG travel insurance when booking your hotel reservation on IHG’s official website or through third-party travel websites such as Expedia or Booking.com. Once you’ve entered your travel information, the system will prompt you to add travel insurance to your reservation if you’re interested. You can choose the level of coverage and confirm your purchase at checkout.
FAQs
Do I need travel insurance for domestic trips?
While it’s not legally required, purchasing travel insurance for domestic trips can provide peace of mind in case you need to cancel or interrupt your trip due to unforeseen events or incur medical expenses.
What activities are covered by IHG travel insurance?
IHG travel insurance covers a wide range of activities such as sightseeing, hiking, skiing, and cruises. However, some high-risk activities such as bungee jumping, skydiving, and motor racing are excluded. Make sure to read the policy carefully before purchasing.
What is the maximum coverage limit for IHG travel insurance?
The maximum coverage limit varies depending on the level of coverage you choose. However, it typically ranges from $10,000 to $50,000 for medical expenses, $1,000 to $5,000 for baggage delay or loss, and $500 to $2,000 for travel delay.
Conclusion
IHG travel insurance is a great way to protect your trips against potential risks such as trip cancellation, medical emergencies, and baggage loss. It’s affordable, easy to purchase, and provides comprehensive coverage that can give you peace of mind during your travels. Make sure to read the policy carefully to ensure you have the right level of coverage and know what’s excluded. Bon voyage!