Category Archives: Travel

Celebrating Our 2016 Content This Holiday Season

cartoon-santa-dog

The holiday season is one filled with laughter, songs, good food and even better company. As you celebrate with family and friends, we wish you happy holidays and hope that you create wonderful memories together.

The forthcoming new year also provides all of us an opportunity to reflect back upon the highlights of the past twelve months. As we do, join us in looking back at some of our favorite blogs and a special video from 2016. Once again, happy holidays from all of us at Petschauer Insurance.

  1. Travel Insurance for your Dream Vacation
  2. What You Need To Know When Choosing A Health Insurance Plan
  3. Certificate Of Insurance 101: What Business Owners Need to Know
  4. Key Man and Buy Sell Insurance Simplified
  5. How is your car insurance rate determined?

Travel Insurance for your Dream Vacation

Travel Insurance


Finally booked the backpacking trip through Europe that you have been talking about for years? Everything is planned and now you are just crossing off the days on your calendar until your dream vacation. Your excitement may have caused you to overlook some possible situations while abroad…

Ever think of what would happen if you got sick before or while traveling? If you lost your luggage? If your flight gets cancelled? Travel Insurance would take care of you if any of these things occurred… Here’s how:

  • Trip cancellation insurance for 100% of trip cost
    • You get a contagious virus or break your leg and have to push back that long awaited trip? A travel insurance policy will cover all the trip costs and cancellation fees.
  • Trip delay insurance
    • Are you arriving to your destination a day late because of flight delays? Travel insurance will pay for all reserved expenses that you missed, including hotel rooms and car rentals.
  • Luggage loss protection
    • You landed in your destination but your luggage never arrived to the airport with you? You will be compensated for your lost items (selfie sticks and bathing suits included).
  • Medical expense coverage
    • Was it the tap water or the wild berries? Whatever it was, you are now sick at the hospital. If your health insurance doesn’t cover your medical expenses abroad, your travel insurance will.
  • Emergency evacuations coverage
    • That excursion was more extreme than you thought, and now you must be airlifted to the nearest hospital. Ambulance rides and helicopter evacuations are not cheap. Travel insurance will cover if you so happen to need either.
  • Lost document replacement assistance
    • Passports, wallets, pocketbooks, and phones are easily lost while abroad. It does not matter if you misplaced them or if they were stolen, travel insurance will cover the costs that come with replacing them.

Having peace of mind can make a world of a difference, and can be easily achieved by calling us and asking about a custom travel insurance policy. We hope that you have the best travel experience and that everything goes according to plan! Trips like these do not happen every day, so enjoy every second!


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Petschauer’s Guide to Camping 101: Tips and Tricks

Large_Car_Camping_TentTips and Tricks

Last week we gave you some tips on how to insure your RV or camper for your next camping trip. This week we wanted to share some awesome safety and space saving tips to make your time out in the wild as amazing as possible.

And here is an article with some awesome safety tricks that you may need if you ever find yourself in an emergency while out in the wild. Some of our favorites are:

  • Use Duct tape to close a wound
  • Use tin foil to turn AAA batteries into AA batteries
  • Use Crisco and a t-shirt to make a long lasting candle
  • Cuddle with your pets if you’re cold

Take a look at this article on how to make the most out of the space you have. Here are some highlights:

  • Use bedside caddies as a makeshift night stand
  • Hanging fold up shelves are good for storing clothes and pantry items
  • Shoe hangers are also good for storing miscellaneous items
  • Attach slide out drawers under tables or beds if possible

So there you have it, another edition of Petschauer’s 101 Guide to a safe and comfortable camping trip.

And one final tip, whether you are in an RV,  a camper or just tenting it out, make sure you bring the bug spray, sunscreen, marshmallows and toilet paper!

Please feel free to contact us at INFO@JPINS.com if you have any questions about RV/ Camper coverage.  We will be glad to share more detailed information with you.  Thank you!

 

Petschauer’s Guide to Camping 101: Insuring Your RV/Camper

Camping_ground_in_Kippel

Insuring your RV/Camper

The weather is starting to heat up, those spring and summer trips you have planned are not too far away. We know that being out in nature is the best way to recover from being stuck in the house all winter, making camping the go-to trip for family and friends. Some will be tenting while others will opt for the comfort of a camper or RV. If you choose the latter, here is some insurance advice before heading to the great outdoors.

Did you know?

  • An RV policy is designed to accommodate almost all recreational vehicles from pop-ups to coaches
  • While towing an RV/Camper, liability only is extended from your auto insurance
  • While the RV/Camper is unhitched at your primary residence, liability will only be extended from your homeowners insurance
  • An RV policy provides liability while being stored away from ????????????????????????????the primary residence
  • An RV policy can be endorsed to provide comprehensive and collision coverage
  • An RV policy extends coverage in Canada
  • An RV policy does not extend liability coverage in Mexico
  • In Mexico, an RV policy extends comprehensive and collision coverage only
  • If damage occurs in Mexico, repairs must be completed in the U.S.
  • In Mexico, you should purchase RV liability coverage from a local agent
  • If RV/Camper is being towed by a Commercial Vehicle, contact your Commercial Auto carrier to confirm liability will be extended to RV

As always, check with your insurance agent or carrier to confirm coverage.

Be sure to check back for our Fun Camping Tips and Tricks Blog. Subscribe to The Petschauer Insurance Newsletter to receive our blogs directly to your inbox!

Are Your Holiday Gifts Insured?

present_pileThe shopping season is in winding down right about now, and your loved ones have received all their gifts. Whether it is a new gaming system, new shoes, a big screen TV, a new iPhone or laptop,  special jewelry or a trip for 2 to a ski resort or sunny spa for a week, you may want to be sure that these gifts are protected by insurance if something unfortunate were to happen to them.

Does your Homeowners Policy cover any or all of these items while in your home BEFORE you give them away as gifts?  Do you have a Floater Policy (aka Inland Marine Policy) to add that special valuable jewelry item you received from your loved one? Did you purchase Travel Insurance for that exciting trip?

An Inland Marine policy or Floaters policy can cover those valuable gifts such as computers, fine arts, furs, golf equipment, jewelry, music instruments, and even camera equipment for All Risk, World Wide coverage with no deductible when scheduled on this type of policy.

Your Homeowners insurance may provide some coverage as well; however, every policy offers different features. A simple call to your agent can give you the detailed information you need to be sure.

Travel Insurance can protect you and your passenger should you need to cancel the trip due to a sudden illness that prevents you from going.  Or when on the trip, is an accident, sickness or injury covered by your current health insurance if you leave your home state? What if you require to be evacuated or airlifted for care – would your health insurance cover that expense? And if your trip was cut short due to a sickness or injury, would you get reimbursed to travel again at a later time?  You can have all of these situations covered with the right insurance.

Receiving electronics for the holiday is an awesome gift as well; however, will your homeowners or renters policy automatically cover it?  Every insurance company has their own interpretation of coverage and a call to your agent is strongly suggested to be sure you understand any limitation in your policy or instructions on what to do to protect your precious gift.  Sometimes purchasing the protection right from the electronic vender is the simplest and most economical way to get the best protection.

We hope you received all the gifts on your wish list this Holiday season! Keep Insurance on your list as well.  Do not hesitate to contact us if you have any questions at 718-386-5050 or info@jpins.com.

Are You Traveling For The Holidays? Do You Need Travel Insurance?

Belly_of_the_planeSo the holidays are fast approaching, and you’re taking a vacation.  You may have your plane tickets, hotel reservation, tours scheduled, and even dinner plans all paid in full.  HOWEVER, did you consider Travel Insurance? Don’t think you need it? 

Think about some of these situations

  • What if you have a medical emergency prior to your trip and can’t go?
  • What if you got to your destination and your trip was interrupted and had to go home immediately?
  • What if you have a baggage delay and need to purchase some clothes or personal items?
  • What if you missed your connecting flight for inclement weather?
  • Does your medical insurance cover you out of your home state or while you are abroad?
  • Does your medical insurance cover emergency evacuation?

If you purchase Travel insurance before you leave, you will have coverage for all of the above and more. We recommend the Gold Travel Plan; however, click on this link to get a quote and pick out a plan that fits your travel needs. 

Here some highlights of the Gold Plan:

  • 100% Trip Cost |Trip Cancellation
  • 150% Trip Cost | Trip Interruption
  • $750 | Trip Delay
  • $250 | Missed Connection:
  • $1,000 | Baggage & Personal Effects Loss
  • $300 | Baggage Delay
  • $25,000 | Medical Expense
  • $500,000 | Emergency Evacuation
  • $10,000 | Accidental Death & Dismemberment

And there are Optional Coverage choices available to increase some of these options. Have questions?  Give us a call and we will be happy to assist – 718.386.5050 or email us at info@jpins.com.

We know how stressful things can get when you plan an exciting trip to see family or the world and it doesn’t happen.  Whether it is bazaar weather patterns, a sudden injury or a family emergency, Travel Insurance can give you that peace of mind to know if something were to go wrong at least you can be reimbursed for expenses so that you are able to plan another trip with your hard earned money.

Safe travels!