Aon Affinity Travel is a comprehensive travel insurance program designed to provide protection for individuals, families, and groups against unforeseen circumstances that may arise during their trips. The program is tailored to offer a wide range of benefits to help travelers mitigate risks associated with traveling, whether for leisure or business. Understanding what is covered by Aon Affinity Travel is essential for making informed decisions about travel insurance needs.
Overview of Aon Affinity Travel Coverage
Aon Affinity Travel insurance is designed to be flexible and adaptable to the diverse needs of travelers. The coverage includes a variety of benefits that can be tailored to fit different types of trips, destinations, and traveler preferences. Some of the key areas covered by Aon Affinity Travel include trip cancellations, interruptions, and delays, as well as medical emergencies, evacuations, and travel assistance services.
Trip Cancellation and Interruption Insurance
One of the primary concerns for travelers is the risk of having to cancel or interrupt their trip due to unforeseen circumstances. Aon Affinity Travel provides coverage for trip cancellations and interruptions, reimbursing travelers for non-refundable trip costs if they need to cancel or cut their trip short due to a covered reason. Covered reasons may include illness or injury to the traveler or a family member, natural disasters, travel advisories, and other unforeseen events.
| Coverage Type | Description | Typical Limits |
|---|---|---|
| Trip Cancellation | Reimburses non-refundable trip costs if the trip is cancelled due to a covered reason. | Up to 100% of trip cost |
| Trip Interruption | Covers additional expenses incurred to return home or rejoin the trip if it is interrupted due to a covered reason. | Up to 150% of trip cost |
Medical and Evacuation Coverage
Medical emergencies can occur unexpectedly while traveling, and the costs of medical care abroad can be extremely high. Aon Affinity Travel includes medical expense coverage to help pay for doctor visits, hospital stays, and other medical expenses if a traveler becomes ill or injured during their trip. Additionally, the program offers emergency medical evacuation coverage, which arranges and pays for transportation to a medical facility if a traveler requires immediate medical attention that is not available locally.
Medical Expense Coverage typically includes benefits for:
- Doctor visits and hospital stays
- Surgical procedures
- Prescription medications
- Diagnostic tests
Travel Assistance Services
Aon Affinity Travel also provides 24/7 travel assistance services, designed to help travelers navigate unexpected situations while abroad. These services may include assistance with lost or stolen travel documents, travel delays, and finding medical care, among others. Having access to these resources can significantly reduce the stress and hassle associated with travel disruptions.
Additional Benefits and Customization
Beyond the core coverage areas, Aon Affinity Travel may offer additional benefits to enhance the travel insurance experience. These could include coverage for travel delays, missed connections, and baggage delays or loss. The program’s flexibility allows travelers to customize their coverage based on their specific needs and the type of trip they are taking.
Customization Options might include:
- Adding coverage for adventure activities or sports
- Including coverage for rental car damage or liability
- Enhancing medical coverage limits
What is typically covered under trip cancellation insurance?
+Trip cancellation insurance usually covers non-refundable trip costs if the trip is cancelled due to a covered reason, such as illness, injury, natural disasters, or travel advisories. The specifics can vary depending on the policy, so it's essential to review the terms and conditions.
How does emergency medical evacuation work?
+Emergency medical evacuation arranges and pays for transportation to a medical facility if immediate medical attention is required and not available locally. This could involve air or ground transportation to the nearest adequate medical facility or back to the traveler's home country, depending on the situation and policy terms.
In conclusion, Aon Affinity Travel offers a comprehensive range of benefits designed to protect travelers against the risks and uncertainties associated with international travel. By understanding the specifics of what is covered, travelers can make informed decisions about their travel insurance needs and enjoy their trips with greater peace of mind.
