Travel Insurance

Why Do Minnesotans Need Travel Insurance?

Travel insurance isn’t just for international getaways—it’s a smart move for any trip, especially in Minnesota’s unpredictable climate. A sudden blizzard could ground your flight out of Minneapolis-St. Paul (MSP), or a medical mishap could derail your plans. Here’s what travel insurance can cover:

• Trip Cancellation: Get reimbursed for prepaid costs (flights, hotels) if illness, weather, or a family emergency cancels your trip.
• Trip Interruption: Covers extra expenses if you need to cut your trip short or delay it.
• Medical Emergencies: Pays for hospital visits or evacuations—crucial since most U.S. health plans don’t fully cover you abroad.
• Baggage Loss: Replaces lost, stolen, or damaged gear, from suitcases to laptops.
• Rental Car Damage: Protects you from costly repairs—did you know Minnesota auto policies already include this under Property Damage Liability? We’ll help you avoid double coverage.

With Options Insurance, you’ll find plans that fit your budget and destination, whether it’s a weekend in Duluth or a month in Europe.

Minnesota Travel Insurance: What Sets Us Apart

Minnesota’s travel insurance needs are unique. Our state’s harsh winters often disrupt travel, and our love for outdoor adventures—like skiing in Lutsen or fishing on Lake Minnetonka—means added risks. At Options Insurance in Chaska, we know these quirks and partner with top insurers like Allianz and Travel Guard to offer:

• Flexible Cancellation: Coverage for weather-related delays, a must for Minnesota travelers.
• Adventure Options: Add-ons for activities like snowmobiling or scuba diving, often excluded from basic plans.
• Pre-Existing Conditions: Some plans cover these if you buy early—ask us how!

Plus, Minnesota law requires rental car damage coverage in auto policies, so we’ll ensure you’re not overpaying for extras you don’t need when renting out of state.

How Much Does Travel Insurance Cost?

Costs depend on your trip details—age, destination, trip length, and coverage level. For a $2,000 trip from Chaska to California, expect $80–$150 for a solid plan with cancellation, medical, and baggage protection. Add “Cancel for Any Reason” (CFAR) for 50% more, giving you flexibility if plans change. At Options Insurance, we shop quotes to find you the best value—no fluff, just coverage that works.

When Should You Buy Travel Insurance?

The sooner, the better! Buy within 14 days of booking to lock in benefits like pre-existing condition waivers or full cancellation coverage. Heading out during Open Enrollment? Pair it with MNsure health tweaks for peace of mind. For last-minute trips, we can still find same-day options—just call us.

Why Choose Options Insurance in Chaska?

We’re not a faceless online portal—we’re your neighbors in Chaska, MN. Here’s what sets us apart:

• Local Expertise: We know Minnesota travel patterns, from MSP delays to cross-border jaunts to Canada.
• Personalized Plans: We’ll match you with coverage for your specific trip, no cookie-cutter nonsense.
• Free Quotes: No cost to explore your options with us—call or click today.

Serving Carver County and beyond, Options Insurance makes travel insurance simple and stress-free.

Get Your Travel Insurance Quote Today

Ready to hit the road—or the skies—without worry? Options Insurance in Chaska, MN, is here to protect your next trip. Call us at (952) 392-9508 or fill out our quick online form for a free quote. Whether you’re escaping to Lake Superior’s North Shore or jetting off internationally, we’ll ensure you’re covered every step of the way. Travel smart—travel with Options Insurance!