Vacation Rental Properties

Travel Insurance Information

Roatan Vacation Rentals is proud to offer our customers the option for Travel Insurance with AIG Travel Guard.

For more than 20 years, AIG Travel Guard has covered millions of travelers throughout the world. AIG Travel Guard is a leading provider of travel insurance plans and assistance programs available to help you 24 hours a day, 7 days a week.

Q. Why should you buy travel insurance?

A. This insurance plan offers coverage for unforeseen events, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism. If an illness, accident, or other covered unforeseen circumstance forces you to cancel or interrupt your plans, you face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.

Q. What happens if you must cancel your vacation?

A. Nonrefundable deposits and prepayments can add up to hundreds—or even thousands—of dollars. This travel insurance plan through AIG Travel Guard can provide trip cancellation coverage for your vacation investment.

Q. How does trip cancellation and interruption coverage work?

A. It reimburses for forfeited, nonrefundable, unused payments or deposits if you must cancel or interrupt their trip due to a covered reason.

Q. What other coverage is typically included in this travel insurance plan?

A. In addition to trip cancellation and interruption, This may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.

Q. What else is offered with the purchase of this travel insurance plan?

A. To boost travelers' confidence when traveling, AIG Travel Guard offers LiveTravel® assistance, which provides 24-hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. AIG Travel Guard also offers assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates.

Q. How can travel insurance cover my vacation investment in the event of a hurricane or other unforeseen severe weather?

In the event of a covered hurricane or other unforeseen severe weather, travel insurance provides coverage under the Trip Cancellation and Interruption benefit. If your trip is cancelled for a covered reason, we will refund the pre-paid, forfeited, non-refundable trip costs trip up to the limit of coverage.

Q. If a hurricane watch or warning is issued that may impact my travel plans, up to what point can I still purchase travel insurance?

Insurance must be purchased 24 hours prior to when the hurricane has been named. Once the hurricane has been named, Trip Cancellation and Interruption losses resulting from the hurricane are excluded from the coverage of the policy.

Q. If the resort that I will be staying at next week is damaged in a storm before my scheduled departure, can I cancel my trip and be reimbursed for my non-refundable costs?

If the resort is damaged and cannot accommodate you (or provide comparable accommodations), your nonrefundable costs will be reimbursed.

Q. I'm worried that a predicted storm's path will be too near to the location of my upcoming insured vacation; can I cancel for a refund?

If the storm directly affects your travel arrangements or accommodations, you are entitled to Trip Cancellation or Trip Interruption benefits. For example: an airport is closed due to the high winds; you are forced to evacuate your hotel/resort; the road you are traveling is impassable due to high water. On the other hand, if you choose to cancel a trip based on what you think might happen — and not because the inclement weather has directly affected your travel arrangements — that would be considered a matter of choice — not a direct loss to your arrangements.

Q. If my airport is closed due to a hurricane or other weather event, and my vacation is delayed, will I be reimbursed?

Yes, travel insurance will cover the expenses incurred if your trip is delayed and will cover reasonable, additional accommodations and travel expenses until travel becomes possible.

This is a brief description of the insurance benefits and travel services provided. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania Insurance Company (NAIC #19445), a New York Insurance Company (NAIC #19380), with their principal place of business at 70 Pine Street, New York, NY 10270. It is a member of the AIG Companies® and is currently authorized to transact business in all states and the District of Columbia. The Policy will contain reductions, limitations, exclusions and termination provisions. All coverages may not be available in all states. Travel Services are provided by AIG Travel Assist.

For more information or if you have questions please contact us.