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Insurance companies created travel insurance years ago. Then, as the RV Boom ramped up in concert with the COVID-19 Pandemic, insurance providers realized RVers needed an RV travel insurance product to cover vacation losses due to unforeseen circumstances.
In this discussion, we show you how RV travel insurance works, how it’s different than existing RV insurance coverage, and when it’s a good idea to apply for it.
You’ll find that it’s more affordable than you think and can help you recover financial losses from weekend getaways to that lifetime trip.
What is RV Travel Insurance?
RV travel insurance is a policy that covers the expenses of a specific trip you’ve planned ahead of time or if your trip is cut short due to significant events. You can receive up to 100% of all pre-paid expenses like campground costs, planned event tickets, and other covered expenses if you have RV trip scenarios like:
- Trip cancellation for any reason
- Trip interruption for work or other reasons
- Travel delay
- Emergency medical reasons
- Emergency medical evacuation
Insurance carriers created RV travel insurance from hotel/cruise traditional trip policies. Insurance companies saw how RVers suffered from significant losses when their vacation plans didn’t work out and found a way to help cover that loss.
In “insurance-speak,” cancellation means you can’t go on the trip at any point. Interruption refers to cutting the RV trip short due to unforeseen medical, work-related, or other issues. Travel delay occurs when you have to leave for your trip later than expected.
Is RV Travel Insurance a Good Idea?
RV travel insurance is a good idea for virtually any RV trip. You can expect to reserve a campsite for 1-2 years from now at the most popular RV destination campgrounds. No one knows what can happen that far in advance. That’s where RV travel insurance comes in.
You could have the campground, attraction tickets, and other expenses prepaid between now and then. Then about a month before your trip, something unexpected could happen; something positive like the birth of a new baby or something negative like a job loss.
Since you were wise enough to purchase that RV travel insurance policy for under a…
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