伯克希尔·海瑟薇(Berkshire Hathaway)推出了新的冒险旅行保险
by理查德·德·安布罗西奥(Richard D’Ambrosio)/
伯克希尔·海瑟薇旅行保护(BHTP)宣布启动Adrenalinecare,这是一项专门为冒险旅行者设计的新旅行保险计划。
The package, which features enhanced baggage protection, coverage for extreme activities and higher medical limits, is the latest in a series of travel style protection plans introduced by the travel insurance industry.
AdrenalineCare覆盖包括多达750000美元medical evacuation coverage (BHTP’s highest limits); up to $50,000 in emergency travel medical insurance; up to $500 in equipment delay coverage if the traveler’s sports equipment (e.g. skis, scuba gear, mountain climbing equipment) is delayed 6 hours or longer; and up to $1,500 in baggage coverage to cover lost, stolen or damaged luggage.
According to BHTP’s State of Travel Insurance 2019 report, adventure travelers take more trips than regular road trippers (4.87 annually versus 3.45). “Whether they are traveling to experience a sport like motor racing, or packing expensive equipment to ski or climb, they also face greater risk,” BHTP said in a press release announcing AdrenalineCare.
“Our annual State of Travel Insurance study found that adventure travel continues to be one of the most popular and fastest-growing travel types,” said Dean Sivley, BHTP president.
“Adventure travelers are eager to explore the world but also know that their adrenaline-packed trips warrant more protection. We created AdrenalineCare so they can fully enjoy their adventures without worrying about equipment delays or insufficient medical coverage if traveling in a remote location.”
Additional AdrenalineCare includes a $150 fixed benefit for the inconvenience if baggage is delayed 12 or more hours. If eligible, travelers are awarded the full $150 to use as they wish for simply enduring the delay. The plan also includes up to $200 to reimburse the fee paid for a hunting or fishing license if the insured must cancel.
Traditional coverage also comes with the plan, such as comprehensive trip cancellation, interruption, delay, and missed connection protection; as well as 24/7 global travel assistance available via phone or email for travel and medical emergencies.
公告是行业趋势的一部分
Adrenalinecare遵循了至少三家保险公司最近公告启动特定于邮轮的旅行保护计划。BHTP是今年第一个宣布的人一月份的Wavecare计划。
Category-specific travel protection plans have been on the radar screen for BHTP for about three years now. In2016年5月对旅行市场报告的采访beplay客服, Sivley said the company was interested in developing a variety of travel insurance plans for different categories, including cruise, bridal, and adventure.
Recently, the travel insurance industry has expressed a renewed interest in getting more niche plans into the market, as the result of the 2018 travel insurance settlement agreements the industry reached with state insurance commissioners across the U.S.
美国50个州中的每一个都单独监管旅行保险,因此每个旅行保险公司都必须提交其逐州的完整计划以启动国家计划。作为行业moves closer to common filing practices across states,诸如巡航和冒险计划之类的更多利基产品的前景将增加,实验