ARAG travel insurance is one of the options available in Germany. But it is active in other 19 countries, like the United States, Australia, and Canada. It is a leading provider of travel insurance. But is it any good? 

What is ARAG Travel Insurance? 

ARAG is a family-owned legal insurance company in Germany. It is one of the largest family enterprises in the country. It has been around since 1935. ARAG doesn’t only offer travel insurance but also other insurance portfolios. 

But is it the right option for you? Does it have ideal travel insurance plans? 

When it comes to travel insurance, there are many options to choose from. But no matter what option you pick, make sure that the policy will give you peace of mind while you save thousands of dollars each time your travel plans are interrupted at the last minute. 

Travel insurance is vital in case of world events, such as pandemics and natural disasters. This type of insurance can help you stay prepared, especially on international travel.  

ARAG offers competitive pricing for its comprehensive travel insurance. It is designed to cover everything from interrupting trips to evacuations to medical emergencies. 

Read: Facts About Travel Insurance Medical

Is It Worth It? 

You may think that having travel insurance is just an unnecessary, expensive expense. But in the event that something happens on your trip, it can help you save a significant amount of money when you buy travel insurance. 

And if you experience a medical emergency while you’re away from home, travel medical insurance will cover the expenses. Although you may have health insurance, your travel insurance can be a lifesaver in this situation especially if you have a pre-existing condition.  

It can also help you on your large trips so you have peace of mind knowing that you can recoup the money you have paid in case of unexpected things. 

However, no matter how beneficial this type of insurance is, it is not necessary in all cases. 

You may want to check the coverage you already have. As mentioned, your health insurance may include travel insurance. 

Some credit cards also cover the cost of lost or delayed luggage. And if you travel in the same country, like in Germany, travel insurance may not be necessary. 

Read: Why You Need Travel Insurance?

What Doe ARAG Insurance Include? 

It depends on your policy. But it covers common situations, such as the following: 

• Trip cancellation
• Trip delay
• Missed connection 
• Delayed luggage
• Some medical expenses
• Emergency medical evacuation 

You can also customize your policy based on your needs. However, before you settle with ARAG, make sure to shop around and compare prices before making a final decision. 

You should also consider ARAG Special Stays. It’s ideal for national trips and day visits to any bordering country. It guarantees safety and tranquility on your vacation trips. But read the coverage limitations and exclusions. 

Most options for travel insurance cover day trips to Portugal, France, and Andorra. When you purchase this policy, you will get coverage for trip costs, medical, and healthcare. And yes, it includes COVID-19 disease. 

If the trip is canceled, it offers trip insurance for expenses of up to 20 different causes. This includes the costs of an early return because of hospitalization or the death of a relative. 

Read: Visiting Laos

What the Policy Doesn’t Cover? 

Just like any other insurance, this form of coverage excludes some things. Here are the types of coverage that you can’t get with ARAG. 

Cancellation and delays because of weather conditions 

Trip changes or cancellations because of terrorism

Injuries from extreme activities 

But ARAG offers special coverage for some causes. That’s why it’s better that you talk to your insurance agent to ask if you can customize your policy. Make sure to read the policy documents before paying to what your plans include. 

Read: International Travel Safety Trips

Sending Your Medications Abroad 

This is one of the options provided by this insurance, in addition delay coverage. If you are on holiday but you can’t find a specific medication at your destination, the company will send it to you through the fastest method. 

Although the company will send the medication to you, you need to refund the cost when you receive the sale invoice. But it’s still useful coverage. You don’t have to spend hours of your time just to find that specific medication that you need. 

Economic Funds Abroad

When you travel to a remote country, there’s always a chance that you can’t access your money in your bank account through ATM. If this happens, you can contact ARAG. If you can’t obtain funds through credit cards or bank transfers, the company will wire you the money. It is one of the few travel insurance companies that offer such a service. 

However, you need to demonstrate to ARAG that it’s impossible to continue your trip without funding. You must also present an endorsement to ensure the collection of your advance payment. 

You should also return the borrowed amount in 30 days. 

This is especially useful if you suffer an accident leaving you without money and there’s no way for you to obtain any. In this situation, you need funding to continue your trip but you don’t know how. When your policy has this type of coverage, you can call ARAG and you will soon get the money you requested. 

You can also obtain an interpreter service. So, if you travel to a non-English country, say in a rural area of China, this type of service will provide you with a Chinese interpreter. This service will guarantee that you will have a professional interpreter in any circumstance you may have. 

Hijacking Coverage 

This is useful if the public vehicle you are traveling is hijacked. Although it is a rare occurrence, it is possible that it can happen to you. ARAG will compensate you to continue your trip. 

But you need to have this coverage before you can use it. 

Defense Against Criminal Charges 

While you’re on a journey abroad, you may face criminal charges. The country you’re visiting may provide you with a defense attorney. But if you have ARAG travel insurance with this type of coverage, you will have a defense team before facing the foreign courts. 

All you have to do is call ARAG so it will help defend yourself. You can forget about finding lawyers in another country. ARAG will find you an expert lawyer. 

Coverage of Public Liability

You may find yourself being charged with bodily injury or material damage to third parties. Having CL coverage will help you protect yourself. ARAG will compensate for the damages you have caused involuntarily. 

For instance, if you break an expensive vase at a restaurant and the owner sued you for it, you can contact ARAG to pay compensation to the establishment. But you need comprehensive coverage for this type of incident. 

Should You Purchase a Policy? 

ARAG travel insurance offers coverage that is sometimes necessary when traveling abroad. However, there are some cases travel insurance is not vital. But ARAG is a legit insurer that you might want to consider.