Top Annual Travel Insurance Choices for 2021
Intro
As frequent travelers, whether for business or pleasure, we often overlook an essential aspect of our journeys: travel insurance. In the hustle and bustle of packing bags and managing itineraries, it can easily slip our mind. However, unpredicted events like cancellations, medical emergencies, or lost belongings can potentially leave us in a tight spot. This is where annual travel insurance becomes not just a safety net, but a necessary shield against the financial risks associated with movement across borders.
In 2021, with travel dynamics shifting significantly due to unforeseen global events, getting informed about the best annual travel insurance options is paramount. The idea is not merely to get any insurance but to select a plan that provides adequate coverage while aligning perfectly with your travel patterns and preferences. Understanding different features and comparing providers is key to ensuring that you make an educated choice.
This guide will delve into various aspects of travel insurance, offering insights into important features, potential pitfalls, and effective strategies for navigating the application process. We aim to equip you with the knowledge that enhances your travel experience while safeguarding you against potential financial burdens.
Prolusion to Annual Travel Insurance
In the ever-changing landscape of travel, securing your journey against the unexpected is paramount. Annual travel insurance stands out as a viable option for those who find themselves boarding planes and packing bags more than a couple of times a year. Not only does it provide peace of mind, but it also simplifies the insurance process, allowing travelers to focus on their adventures instead of worrying about what happens if things go awry.
Defining Annual Travel Insurance
At its core, annual travel insurance offers coverage for multiple trips within a specified year. It's tailor-made for frequent travelers, essentially a one-stop-shop for insuring all your journeys during that timeframe. This is not only convenient but often more cost-effective than purchasing separate policies for each trip. When defining this type of insurance, one should look for the key components that most plans typically include, such as emergency medical coverage, trip cancellations, and lost luggage protection. Imagine you’re set to take a week in Bali, followed by a long weekend in New York a mere month later—annual travel insurance has your back without the hassle of separate policies.
Why Choose Annual Over Single-Trip Insurance
Choosing between annual travel insurance and single-trip insurance often comes down to your travel habits. If you’re the kind of person who loves spur-of-the-moment weekend getaways or has commitments requiring frequent travel like attending family functions or conferences, then annual coverage may be the way to go.
- Cost-Efficiency: For those who travel often, an annual plan can save quite a bit of cash compared to paying for single-trip insurance every time you jet off.
- Convenience: When your trips are covered under one umbrella, you won't have the headache of buying a new policy each time.
- Flexibility: Annual policies can adapt to varying lengths of trips, allowing for both long vacations and short escapes without the need for additional paperwork.
In essence, the choice of annual travel insurance not only adapts to the needs of adventurous travelers but also ensures they can explore with the safety net of comprehensive coverage, regardless of where their journeys take them.
Key Considerations for Selecting Travel Insurance
When it comes to choosing travel insurance, particularly on an annual basis, there are several critical elements to weigh carefully. This section matters significantly because it can mean the difference between securing a smooth journey or facing bumps in the road that could lead to financial headaches. Understanding the nuances provides travelers with a sturdy safety net, ultimately allowing them to embark on their adventures with confidence.
Understanding Coverage Types
Diving into the options for coverage types is essential. Policies generally fall into a few categories, each catering to different travel needs. For instance, emergency medical coverage is a staple that ensures you won’t be left with a hefty bill if you fall ill or injure yourself abroad. But, it is not just about emergency situations. Trip interruption coverage can also come in handy, particularly when unexpected events, like extreme weather or personal emergencies, arise.
Here’s a quick breakdown of common coverage types:
- Single Trip Coverage: This is ideal for individuals or families planning just one trip.
- Annual Multi-Trip Coverage: Suited for frequent flyers, this covers multiple trips within a year with ease.
- Comprehensive Coverage: Offers a wide range of protections from medical emergencies to trip cancellations.
- Supplementary Coverage: Tailored add-ons to fill specific gaps, such as extreme sports or pandemic-related coverage.
Navigating these options can be like piecing together a puzzle. Picking the right types depends on assessing personal travel patterns and expected risks.
Evaluating Deductibles and Limits
Every insurance plan comes with its own set of deductibles and limits. Understanding these elements is paramount when selecting your insurance. Think of the deductible as the cost you'll need to bear out-of-pocket before the insurance kicks in. Higher deductibles usually mean lower premiums, but a sudden medical expense abroad might hit harder than anticipated.
- Examine what your deductible will be for medical costs.
- Look closely at the maximum coverage limits for different categories, from healthcare to baggage losses.
- Ensure that your limits align with your travel plans, for example, if traveling to areas known for high medical costs, it’s wise to have higher limits.
Finding the right balance between your deductible and limits ensures you’re not caught in a tight spot when faced with unexpected travel incidents.
Assessing Exclusions and Restrictions
Last but not least, exclusions and restrictions are the terms you need to keep an eagle eye on. Every policy has fine print, and unfortunately, that's where many travelers get caught off guard. Some plans might exclude high-risk activities like mountain climbing or scuba diving. Others might not cover certain pre-existing conditions, which can leave you without the necessary protection when you need it most.
It’s vital to:
- Carefully read through the policy to identify what is and isn’t covered.
- Pay attention to geographical restrictions that could limit coverage in certain countries.
- Consider whether you’ll need extra coverage based on specific activities you plan to engage in.
In the end, knowing the ins and outs of exclusions allows you to steer clear of nasty surprises during your travels.
"The devil is in the details:" never overlook the minutiae when it comes to securing your protection while adventuring abroad.
Comparing Leading Annual Travel Insurance Providers
Comparing annual travel insurance providers is a crucial step for anyone looking to secure comprehensive coverage for their adventures. With so many options available, discerning travelers need to evaluate what each provider offers in terms of pricing, coverage, customer service, and claim processes. This comparative analysis serves not just to understand the basics, but also to highlight the nuances that could either save money or provide peace of mind when the unexpected happens.
When examining these providers, factors such as emergency medical coverage, trip cancellation policies, and the way they handle lost baggage all come into play. Let’s dig deeper into the specifics of three notable providers, shedding light on their overall offerings, strengths, and potential drawbacks.
Provider One: Overview and Offers
Provider One stands tall in the arena of travel insurance with a solid reputation for robust coverage options. Their plans typically include generous emergency medical benefits, which cover hospitalization and medical evacuations. Additionally, many travelers appreciate their hassle-free online claim processing, which has garnered positive feedback.
- Core Features:
- Emergency medical coverage up to $1 million
- Trip cancellation coverage for up to $10,000
- Lost luggage protection up to $3,000
The primary selling point of Provider One is the 24/7 assistance hotline. Travelers can feel secure knowing that help is just a call away, no matter the time or location. However, it’s important to dig into the fine print as some users find limits on coverage for certain high-risk activities, which could be a deterrent for adventurous souls.
Provider Two: Overview and Offers
Provider Two appeals mainly to families and frequent flyers with their customizable plans. They allow policyholders to tailor coverage options to match their specific travel patterns, which can be a game-changer for those with a busy travel calendar. Their gold standard of coverage includes:
- Family-Friendly Options:
- Coverage for children is often included at no extra cost
- Affordable add-ons for adventurous activities like skiing or scuba diving
The unique selling point for Provider Two is their extensive network of partnerships with travel service providers. This can translate to discounts on hotels and other travel expenses for policyholders. However, some customers report that their claims process can be slow, so patience might be necessary during stressful situations.
Provider Three: Overview and Offers
Provider Three positions itself as a straightforward, no-frills option. Their target market tends to be young professionals or students looking for affordable yet effective coverage. Key aspects of their offerings include:
- Affordable Pricing Structure:
- Plans start as low as $100 annually
- Simplified terms to avoid confusion
They strike a fine balance between cost and coverage. Although the lower price point comes with some limitations, it suffices for individuals primarily concerned with basic protection during their travels. Be cautious, as some travelers have expressed concerns about claim denial due to misunderstanding policy exclusions.
"Traveling should be an enjoyable experience and having the right insurance is paramount to peace of mind."
In summary, evaluating these leading providers reveals significant differences in their offerings and customer experiences. Provider One excels with its comprehensive medical coverage and 24/7 support, Provider Two impresses with its flexibility and family options, while Provider Three stands out for its competitiveness in pricing. Each has its strong suits, and carefully considering what matters most to you will guide your decision.
Common Features of Annual Travel Insurance Plans
Annual travel insurance plans offer several essential protections that can make a world of difference for frequent travelers. Identifying these common features can enlighten your decision-making process, ensuring you choose a plan that fits your travel habits. In this section, we will delve into the key aspects of these policies, emphasizing their significance and potential advantages.
Emergency Medical Coverage
One of the cornerstones of any annual travel insurance plan is emergency medical coverage. This feature is vital, especially for those who travel internationally where healthcare systems can be different and potentially costly. It covers a range of medical expenses, from hospital stays to emergency evacuations in dire situations.
Imagine you are hiking in the Alps, and a fall leads to a sprained ankle. Without emergency medical coverage, you could be looking at hefty bills, not to mention the stress of arranging medical care in a foreign country. Such coverage typically includes:
- Hospitalization Costs: Payment for unexpected stays due to accidents or illnesses.
- Ambulance Services: Transport to medical facilities in case of emergencies.
- Medical Evacuation: Return to your home country for treatment if necessary.
"Travel insurance is not just another expense; it’s a safety net when you’re miles away from home."
Trip Cancellation and Interruption
Trip cancellation and interruption coverage is another critical element of annual travel insurance. This feature protects travelers against unforeseen circumstances that might force them to cancel or cut short their trips. It’s not just about losing a few bucks from a non-refundable ticket; sometimes, you could be looking at significant financial losses.
For instance, if an urgent family matter arises or a natural disaster strikes your chosen destination, this coverage can reimburse non-refundable travel expenses like:
- Flight Tickets: Costs for flights booked before the cancellation.
- Accommodation: Fees for hotel reservations that cannot be refunded.
- Non-Refundable Activities: Payments for tours or events that you can no longer attend due to your trip's cancellation.
Understanding this feature can save both your peace of mind and your wallet, making it one of the most valuable parts of a travel insurance plan.
Lost or Stolen Personal Property
Travel often entails navigating unfamiliar territory, which unfortunately can lead to lost or stolen belongings. Coverage for lost or stolen personal property provides compensation for items that may go missing during your travels. This can include:
- Baggage Loss: Reimbursement for lost luggage that doesn’t show up at the destination.
- Theft Protection: Financial coverage if you are a victim of theft while traveling.
- Personal Items: Compensation for personal belongings that are either lost or stolen, such as laptops, cameras, or even passports.
Losing your belongings can send your travel plans into a tailspin, causing stress and hassle. By having the right coverage in place, you can mitigate the impact of such unfortunate incidents.
In summary, when evaluating annual travel insurance plans, it’s crucial to understand these common features. Emergency medical coverage, trip cancellation and interruption, and protection against lost or stolen personal property each play a significant role in breaking down the barriers of concern many travelers face. Knowing these elements can help you select the right policy and travel with a sense of security.
Tailoring Your Travel Insurance Needs
Finding the right travel insurance can feel like trying to find a needle in a haystack, especially when evaluating the many options available. Tailoring your travel insurance needs ensures that your chosen policy aligns well with your unique travel habits and circumstances. Each traveler has their preferences and risk tolerances; for some, frequent weekend trips are the norm, while others might be embarking on international escapades more sporadically. Recognizing these patterns not only maximizes coverage but also helps avoid wasting money on unnecessary features.
Understanding individual travel frequency is a foundational step. If you're jetting off multiple times a year, then an annual policy may be more economical than purchasing a new single-trip policy for each. This could potentially save you a good chunk of change, not to mention the hassle of dealing with different policies each time. In effect, an annual plan acts like an umbrella, shielding you from various potential issues over a longer period.
Travel Frequency and Patterns
When it comes to travel, not every individual hits the open road (or sky) in the same fashion. Some folks have a calendar full of business trips, while others might prefer spontaneous weekend getaways. Getting a grip on your travel frequency allows you to select a plan that truly meets your needs.
- Frequent Travelers: If you find yourself packing your bags every month or two, annual travel insurance makes sense. It's straightforward and often comes with consistent benefits which can ease your mind as you embark on each new journey.
- Occasional Travelers: For those whose travels are rare, a single-trip option might suffice, unless you’re planning multiple trips a year that add up to more than a few weeks. In such cases, an annual plan could still be a better value.
- Mixed Patterns: If your travel schedule includes both spontaneous trips and planned adventures, look for a policy that combines flexibility with comprehensive coverage, supporting both last-minute flights and meticulously planned vacations.
Understanding your travel patterns ultimately shapes reviews and comparisons among available policies. Have a family that travels together? You might want a plan that covers everyone under one umbrella, reducing individual stress. On the flip side, if your trips are often solo, it's critical to examine individual policies to find the best fit.
Destination Considerations
Choosing the right travel insurance is also about knowing where you're headed.
- Domestic versus International Travel: Domestic trips tend to have lower risk factors, which can be reflected in the insurance premiums. However, think about any special activities you might do — like hiking or deep-sea diving— which could raise the need for specific coverage options.
- Health and Safety Issues by Location: Consider the health risks associated with particular destinations. Countries with different healthcare systems or political climates may necessitate additional coverage. For example, trips to regions prone to natural disasters or with high healthcare costs should bump certain insurance features up your priority list.
- Cultural Differences in Insurance: Different countries also have distinct legal systems and policies that can affect insurance claims. Research local regulations and whether your policy includes coverage for those specifics when you travel abroad.
All in all, tailoring your travel insurance is about fitting a square peg into a round hole. It’s not just about the act of buying insurance, but also about weighing what you need versus what you get. By examining your travel frequency and destination risk, you can better position yourself to navigate the fine print and find an insurance plan that truly supports your journey.
Remember, choosing wisely means you can focus on what really matters — enjoying your travels!
The Role of Customer Reviews in Choosing Insurance
When it comes to selecting the right annual travel insurance, one cannot discount the role of customer reviews. In a world where options abound, these reviews act as a compass, directing prospective buyers toward policies that are more likely to meet their unique needs. The importance of insights from fellow travelers becomes even more apparent when you consider that they have firsthand experience with the policies in question.
Customer reviews don’t just provide a snapshot of what a company might promote in glossy brochures; they uncover real-life experiences that can be critical for understanding the true strengths and limitations of various insurance offerings.
Importance of User Feedback
User feedback serves as a golden breadcrumb trail for potential insurance buyers. These reviews dive into aspects like the ease of the claims process, customer service responsiveness, and general satisfaction with coverage. For instance, a traveler who faced a last-minute cancellation due to unforeseen circumstances may describe their experience with filing a claim, shedding light on how user-friendly the process was. This can prevent costly mistakes and help others dodge policies with subpar support.
Moreover, reading about someone else’s real-world struggles or triumphs with their insurance can inspire confidence—or serve as a warning. Consider this: a frequent family traveler might read about how a specific insurance provider responded promptly in a medical emergency, reinforcing the idea that this provider would offer peace of mind in times of distress. Conversely, they may stumble upon reviews detailing frustrating claim denials, which could easily turn them away from a specific plan. In essence, user feedback equips potential buyers with knowledge that could influence a safer, more informed choice.
Evaluating Third-party Ratings
While user reviews provide a wealth of subjective experiences, third-party ratings serve as a more objective measure of an insurance provider’s reliability and performance. Websites like Consumer Reports or NerdWallet offer ratings based on various metrics such as claims satisfaction, financial strength, and customer service. When assessing these ratings, one must consider several factors:
- Claims Process: What percentage of claims are approved? Are there any common complaints regarding claim rejections?
- Customer Support: How responsive and helpful is the support team, according to independent evaluations?
- Financial Stability: Does the insurance provider hold strong financial ratings from agencies like A.M. Best? This ensures that they can cover their obligations during widespread crises.
"Ratings can function as a double-edged sword. While they are helpful, one must read the fine print and consider the broader context."
It's essential not to get too wrapped up in star ratings alone. Instead, a careful examination of the methodology behind these ratings will yield a richer understanding of what you can expect from your potential insurance provider. Balancing user feedback with third-party assessments creates a well-rounded picture and can be the key to making an informed decision.
Making a Claim: What to Expect
When you venture out into the world, whether for business or pleasure, life can throw unexpected curveballs your way. Understanding the claims process of your annual travel insurance is crucial. It’s not just about having coverage; it’s about knowing what to do when you need it most. A well-structured claims process can ease the stress during difficult times, allowing you to focus on recovery rather than financial concerns.
Claim Filing Process
Filing a claim is the first step in getting compensated for covered losses. Generally, this is how the process unfolds:
- Notification: As soon as an incident occurs, contact your insurance provider directly. Most companies have a 24-hour hotline. Delaying your call might complicate the claim later.
- Documenting the Incident: Always gather necessary paperwork. This includes receipts, police reports, or any medical documentation. Following a comprehensive checklist can make this easier.
- Claim Form Submission: Fill out the claim form accurately. This form will ask for detailed information about your travel, incident, and the coverage you seek. Errors here could delay processing.
- Follow-Up: Keep a record of your claim submission and follow up regularly. Some companies provide an online portal for easier tracking.
- Settling the Claim: Once approved, insurance companies will issue a settlement. This can be a direct bank transfer or reimbursement, depending on your policy's terms.
- For medical claims, include your treatment invoices.
- For lost luggage, submit your travel itinerary and any claims made with the airline.
"By being proactive and organized when filing a claim, travelers can relieve some of the stress associated with unexpected disruptions."
Common Challenges in Claiming
While filing a claim seems straightforward, travelers often encounter hurdles that can complicate their experience:
- Incomplete Documentation: Missing documents or receipts can slow down your claim. Always keep duplicates of important files, as the adage goes, better safe than sorry.
- Exclusions in Policy: Familiarize yourself with your policy's exclusions. Not all incidents may be covered. For example, if a claim results from a pre-existing condition, it may get denied.
- Delayed Responses: Depending on the insurer, waiting times can be frustrating. Insurers might need additional information or clarification, leading to back-and-forth that can test your patience.
- Miscommunication: Sometimes, the information provided to the claims department might not be relayed correctly. Clear communication and asking questions can help mitigate confusion.
In summary, understanding the claim process and being prepared for challenges creates a smoother path to financial recovery. Keeping a level head and staying organized can make all the difference when you find yourself needing to lean on that travel insurance policy you invested in.
Legal Considerations in Travel Insurance
When it comes to travel insurance, understanding the legal landscape is essential. Not only can it prevent misunderstandings, but it can also save travelers from potential financial pitfalls. Legal considerations encompass the policy terms and conditions and how local laws may impact coverage and claims. These elements are vital for making informed decisions about which annual travel insurance to select.
Understanding Policy Terms and Conditions
Diving into the specifics of a policy can feel like peeling an onion; layers upon layers often contain surprises. Every travel insurance policy generally comes with a hefty document filled with terms and conditions that many may overlook. These terms outline the scope of coverage, including what is included and what is deemed non-covered. For instance, some policies might exclude pre-existing conditions entirely or have specific provisions for high-risk activities.
Be mindful of the following components when reviewing these terms:
- Coverage Exclusions: Items or events that won't be covered by the policy. You wouldn't want to find out too late that your skiing accident isn't in the plan.
- Claim Limitations: Each policy often sets limits on how much can be claimed in various scenarios, from medical emergencies to trip cancellations.
- Duration of Coverage: Understand how long the coverage lasts. Annual plans may cover multiple trips, but the duration of each individual trip is crucial.
It's also prudent to note how claims should be filed according to the policy, as failure to follow prescribed procedures can lead to rejections. Keep a close eye on the definition of terms used within the policy, as a misunderstanding could lead to unexpected surprises later.
Impact of Local Laws
The very laws of the land can wield significant influence over travel insurance policies. South Africa, for example, may require travelers to show proof of insurance before boarding international flights. Additionally, insurance coverage may differ dramatically based on local laws, impacting policy enforcement and claims processes.
Consider these pivotal points regarding the impact of local laws:
- Regulatory Compliance: Some countries have strict regulations concerning travel insurance, affecting what insurers can offer. Travelers may feel secure knowing that their policy complies with local legal requirements.
- Litigation Risks: Different jurisdictions have varying laws regarding liability. The way claims are pursued may differ depending on local litigation practices. This variance can lead travelers to seek legal counsel when disputes arise.
- Cultural Considerations: With travel comes a host of cultural nuances that can influence claims. Understanding local customs can sometimes impact your experience when filing a claim, particularly if the requirements for documentation differ.
Future Trends in Travel Insurance
In the fast-changing world of travel, annual travel insurance is evolving to meet the shifting needs of modern travelers. Understanding the future trends in this sector is crucial for individuals and families planning their adventure-packed itineraries for 2021 and beyond. With the world increasingly interconnected and the landscape of risks changing, it’s essential to stay ahead of the curve when selecting appropriate coverage.
Looking at technological advancements as well as changing consumer expectations gives insight into how travel insurance products are structured today and how they will likely develop in the future.
Technological Innovations
The rise of digital technology has reshaped nearly every industry, and travel insurance is no exception. Insurers are tapping into big data, artificial intelligence, and machine learning to refine their offerings and streamline the claims process.
Modern travelers often seek instant, accessible solutions to insurance needs. Many companies now offer mobile apps where policies can be managed, claims filed, and assistance accessed.
Some standout innovations include:
- Real-time Policy Updates: Insurers are moving towards providing users with updates that are immediate, allowing travelers to adjust their coverage on the go.
- AI-assisted Customer Service: Chatbots and virtual assistants are increasingly providing 24/7 support, addressing queries faster than traditional methods.
- Telemedicine options: With the pandemic laying bare the need for remote healthcare, many plans now offer telehealth services as a standard feature within their medical coverage.
The integration of technology is not just a trend but a necessity for the travel insurance industry to keep up with changing consumer behaviors.
Evolving Consumer Expectations
Travelers today are not just looking for basic coverage; they seek comprehensive protection that adapts to their changing needs. With an increasing number of younger families and professionals embarking on adventures, various expectations enter the fray.
- Flexibility and Customization: Many consumers prefer plans that allow them to tailor coverage based on their unique travel habits, whether that’s thrill-seeking vacations or business trips.
- Inclusion of Coverage for Pandemic-related Issues: The COVID-19 crisis has amplified demand for policies that cover cancellations due to infectious diseases, creating a shift in what is deemed necessary coverage.
- Environmental and Ethical Considerations: With a greater awareness of climate change, consumers are seeking insurers who offer policies that reflect a commitment to sustainability and ethical practices.
In sum, the landscape of travel insurance is shifting, driven by technology and changing expectations of travelers. Keeping an eye on these trends will not only help individuals choose better plans but also enhance the sense of security and peace of mind essential for enjoying their travels.
Finale and Final Thoughts
In wrapping up this exploration of annual travel insurance options for 2021, it’s crucial to underline the significance of making well-informed choices in this realm. Travel insurance might not be the most thrilling part of planning your trips, yet its value cannot be overstated.
When it comes to travel, the unexpected can happen at any moment. One minor hiccup, like a lost wallet or a sudden illness, can blow a hole in your budget and spoil your plans. This is where annual travel insurance comes into play, acting as a safety net for those who frequently find themselves on the go. It provides coverage for many scenarios—emergency medical situations, trip cancellations, or even lost luggage.
Being equipped with the right information is fundamental for young professionals, families, or students, especially in today’s fast-paced world. With numerous options available, understanding each plan's unique offerings can save both time and money, ensuring you select the policy that suits not just your travel style but also your budget. Evaluating key components like deductibles, limits, and exclusions will lead to a better overall experience when you need it most.
Summarizing Key Insights
Looking back on the various aspects discussed throughout the article, a few key insights stand out:
- Annual vs. Single-Trip Insurance: For frequent travelers, annual travel plans often provide better value and flexibility compared to single-trip insurance.
- Coverage Types Matter: Knowing what types of coverage are available and what you truly need can prevent nasty surprises down the line.
- Customer Reviews: User feedback and third-party ratings play a pivotal role in gauging reliability and service quality of insurance providers.
- Claim Process Awareness: Understanding what the claims process entails prepares you for fast action in challenging situations.
These insights not only act as a guide for selecting travel insurance but can also help mitigate risks associated with unexpected events during travels.
Making an Informed Choice
At this stage, making an informed choice boils down to a thorough self-assessment of your travel patterns. Questions like "How often do I travel?" or "What regions do I visit?" should guide your decision. The beauty of annual travel insurance is that it removes the hassle of acquiring coverage for each trip while ensuring you remain protected throughout the year.
As you consider various providers, it's advisable to compare their offerings against your needs. Don’t shy away from digging a bit deeper into the fine print; the nuances can mean a world of difference in your protection. Also, keep an eye on any technologic innovations that insurance providers may be rolling out, as enhancing customer experience is becoming increasingly common.
In the end, knowledge is power. By understanding annual travel insurance better, you position yourself to handle whatever life throws at you while traveling. Equip yourself with the right coverage and travel with peace of mind. You will enjoy your journey more when you know you are protected.
