Grand Cayman Travel & Rental Car Insurance | Grand Cayman Villas & Condos

TRAVEL & RENTAL CAR INSURANCE

These are expensive vacations and it can be a prudent idea to have at least a minimum level of insurance for the unforeseen. Basic trip interruption insurance costs about 5-6% of the total cost of the travel arrangements, and provides a lost baggage, delayed travel and basic medical expense/evacuation benefit as well.

The more family members that are traveling, the older the family member (s) and lastly the health of a particular family member all increase the probability of needing insurance. Additionally, your domestic medical insurance may not provide a medical benefit in a foreign country-- and it surely won't provide coverage for emergency evacuation to a USA (Miami) hospital. Air Evacuation does cost between $20,000 - $30,000; depending on what medical care you need during the flight.

Last minute illness or hospitalization, airline bankruptcy, weather delays can all cause disruption and/or economic harm.

This is not (Villa) "hurricane insurance". Your lease with Grand Cayman Villas & Travel is already protected. If a hurricane or hurricane warning prevents you from taking occupancy (or cutting your trip short); you are entitled to a prorated refund or a rescheduled vacation.

I would recommend considering two types of insurance (depending on your needs):

I. TRIP CANCELLATION/INTERRUPTION INSURANCE

Patriot T.R.I.P.^SM

Travel Protection for trips up to 30 days

To help protect you from losing money you've spent on travel, there is Patriot T.R.I.P. Patriot T.R.I.P. helps protect travelers who are unable to travel or are interrupted during their covered trip due to circumstances such as a sudden and unexpected illness or injury, death in the family, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline. Benefits also include coverage in the event of travel and baggage delay, lost baggage, emergency medical expenses, emergency medical evacuation and more.

Patriot T.R.I.P. Elite^SM

First Class Travel Protection

To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite, a premier travel insurance program. You expect top-notch service if the unexpected should happen. Patriot T.R.I.P. Elite offers a high level of benefits to travelers who need more coverage than provided by the Patriot T.R.I.P. program. The Patriot T.R.I.P. Elite program increases the benefit amount for emergency medical, emergency medical evacuation, travel delay, baggage, trip interruption and adds a new benefit for violent attacks. Make sure you have the premier protection you need with Patriot T.R.I.P. Elite.

II. INTERNATIONAL MEDICAL INSURANCE

Patriot Travel Medical Insurance^®

Individual & family (5 days up to 2 years coverage)

There are two Patriot Travel Medical Insurance products available to meet your needs, providing up to US$2,000,000 of medical coverage. Coverage can be obtained from a minimum of 5 days up to a maximum of 2 years. Patriot products address the travel medical insurance needs of US citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.

Patriot Group Travel Medical Insurance^®

5 or more individuals (5 days up to 1 year)

Patriot Group Travel Medical Insurance is designed for organizations who have a group of 5 or more members that will be traveling together, and are traveling to a destination that is not the home country of any of the traveling members. Patriot Group Travel Medical Insurance provides the same benefits as the individual Patriot Travel Medical Insurance but with a 10% discount for applying as a group.

The information above is only a consolidated description of current International insurance products available through this web site. Please refer to the policy wording for the specific terms and conditions of each plan concerning eligible benefits, limitations, eligibility and exclusions. Policy wording is available upon request. IMG, International Medical Group, the IMG block design logo, Patriot T.R.I.P, Patriot T.R.I.P Elite, Patriot Student T.R.I.P., Patriot Travel Medical Insurance, Patriot Extreme, Global Medical Insurance, Global Basic Insurance, Patriot Executive, Visitors Care, GEO Group, Exchange Program Group, Sky Rescue and Patriot Group Travel Medical Insurance are the trademarks, service marks and/or registered marks of International Medical Group, Inc. © Copyright 2003 International Medical Group, Inc. All Rights Reserved

RENTAL CAR INSURANCE

Unrelated to travel/interruption/medical insurances above-- when you rent a car/van on Grand Cayman; you will be asked whether you would like to accept/pay for a number of confusing insurance coverages--

I have excerpted the insurance page from Andy's rental car webpage below-- you can see that it can be confusing. Andy's is a great rental car company--all of them have similar plans.

FULL COVERAGE (price varies by vehicle class) - Available to drivers aged 26 to 65. Covers damages to ANDY'S vehicle during the course of the rental contract. This Option also covers 3rd-Party vehicle/property damages up to $297,000 and 3rd-Party bodily injury up to $5,900,000 per accident. (see NOTE below)

NOTE: ANDY'S Loss Damage Waiver Policies are valid during the normal course of driving and will be deemed VOID if renter or any additional driver is using the vehicle in violation of any Laws of the Cayman Islands or fails to adhere to Terms and Conditions of ANDY'S RENTAL AGREEMENT. Damages caused by negligence, abuse, unauthorised drivers and isolated "ACTS OF GOD"(falling coconuts, etc) are NOT covered by any of ANDY'S Loss Damage Waiver Policies**

DEDUCTIBLE COVERAGE (price varies by vehicle class) - Available to drivers aged 21 to 65. Covers damages to ANDY'S vehicle, with a $1000 deductible. In the case of damages to ANDY'S vehicle, hirer is required to pay up to a total of $1000. This Option also covers 3rd-Party vehicle/property damages up to $297,000 and 3rd-Party bodily injury up to $5,900,000 per accident. (see NOTE above)

THIRD-PARTY LIABILITY COVERAGE ($5.00/day) - Available to drivers of all ages. This Option covers 3rd-Party vehicle/property damages up to $297,000 and 3rd-Party bodily injury up to $5,900,000 per accident. Hirer is responsible for ALL damages to ANDY'S vehicle. (see NOTE above)

DEDUCTIBLE COVERAGE 65+ ($9.00/day) - Available to drivers over 65 years of age. Covers damages to ANDY'S vehicle, with a $1212 deductible. In the case of damages to ANDY'S vehicle, hirer is required to pay up to a total of $1212. This Option also covers 3rd-Party vehicle/property damages up to $297,000 and 3rd-Party bodily injury up to $5,900,000 per accident. (see NOTE above)

My recommendation to you is to use AMERICAN EXPRESS to make your car reservation. AMEX provides you with coverage. Click this link for their collision damage waiver. They recommend just declining the collision damage waiver. This will save you as much as $15/day on your rental car.

Amex doesn't cover you in all countries-- Australia, Ireland, Italy, Israel, Jamaica and New Zealand are excluded.

You might call American Express at 1-800-338-1670 with any specific questions.

Some Gold/Platinum Card Visa Programs also provide coverage-- but I have heard that they will not cover the 9 passenger Hyundai H-1 Vans on Grand Cayman (viewed as a commercial vehicle). Check your own cardmember benefits.