Insurance coverage is a must whether you regularly travel in your RV or plan the occasional trip. When most RVers think about insurance, they think about the policies they have on their vehicles. And while it’s true that RV insurance is important, there’s another type of coverage that you won’t want to overlook.
Travel insurance for RVers has become increasingly in demand nationwide. More people are purchasing, renting, and enjoying RVs than ever before. If you’re thinking about RVing, you should also think about traveller’s insurance for your RV trips. In the next few minutes, you’ll learn what RV travel insurance is, how it protects you, and some of the most important things to look for in your RV traveller’s insurance policy. When you’ve finished this post, you’ll be ready to choose your coverage with confidence before your next big adventure.
What is RV Travel Insurance?
RV travel insurance is similar to any other travel insurance policy you purchase before going on vacation. However, this specific type of policy is designed with the needs of RV travellers in mind. The things that can happen to delay, interrupt, or put an early end to an RV trip are unique from other kinds of travel. While every policy is different, most RV travel insurance policies cover expenses related to:
- travel delays (such as those caused by severe weather)
- trip cancellation and interruption
- emergency medical services
As with any other type of insurance, RV travel insurance is designed to give you some added peace of mind and protection anytime you plan an RV vacation. Your policy and coverage travel with you, so you know you’re taken care of no matter where the road leads.
Benefits of Having Travel Insurance for RVers
There are many reasons to purchase travel insurance before your next RV trip. For starters, this type of coverage can come in handy if you experience any medical issue while on the road. Depending on where you’re travelling (such as into the United States), your Canadian Medicare may not cover you completely during your travels. With RV traveller’s insurance, you’ll be protected if you suffer a sprained ankle while hiking or develop an allergic reaction to a bug bite. This could save you hundreds or even thousands of dollars in medical bills.
Likewise, travel insurance for RVers can provide you with protection when the unexpected happens. For example, if you run into flooding on your way to a campsite, your RV insurance may include cancellation coverage that will reimburse you for non-refundable site fees. Or, if you need to cancel your trip for any reason (even at the very last minute), your policy may include coverage to reimburse you for non-refundable trip deposits and similar expenses.
In a lot of ways, a traveller’s insurance policy allows you to relax and enjoy planning your trip without hesitation.
What to Look for in Traveller Insurance for RVers
If you’re interested in a travel insurance policy, you may wonder where to begin shopping for coverage. Many insurance companies offer RV travel coverage, so shopping around can be overwhelming.
For starters, it’s a good idea to stick with insurance companies that have been offering travel insurance for years and are familiar with the needs of the RV traveller.
Likewise, you’ll want to find a policy that meets your needs and budget. Take some time to consider what types of coverage you’ll need during your travels (medical coverage, cancellation coverage, etc.) and then find a company that will build you a custom policy based on those needs. Ultimately, you want the highest quality coverage for the best value (which may not always mean going with the cheapest policy).
Finally, choose an insurance provider with a track record for quick/easy claims and excellent customer service. The last thing you want is to file a claim and wait weeks or months for a resolution.
Plan Your Next RV Trip with Confidence
As you can see, the right RV travel insurance policy can make all the difference when it comes to planning your next adventure. At the same time, not all policies are created equal. By keeping a few practical tips in mind, you’ll be well on your way to choosing a great policy.
For more information on protecting yourself and your loved ones while on the road, keep an eye on the Explorer RV Club blog!