Travel Insurance & Damage Protection

What is travel insurance and what does it cover?

MRA offers guests an optional travel insurance plan for a small percentage of your total rent cost. The travel insurance provides a wide array of coverage including, but not limited to, trip cancellation, trip interruption, travel delay, emergency assistance and transportation, etc. Guests who purchase the plan also receive Teladoc membership for their trip. Additional benefits include concierge services, identity theft resolution and roadside assistance. For specific information on the coverage provided with the optional travel insurance plan, you may refer to the policy document and informative flyer by clicking the buttons below.

SEASIDE COASTAL TRAVEL INSURANCE FLYER SEASIDE COASTAL TRAVEL INSURANCE POLICY DOCUMENT

Is the travel insurance plan required when booking a reservation with MRA?

The travel insurance plan is an optional plan that a guest may elect to purchase when booking a reservation with MRA. The travel insurance plan may be purchased at the time of booking or any time prior to making the final payment on a guest folio/reservation. The insurance is shown as an option when booking your online reservation through the website and/or when signing your Vacation Rental Agreement (electronically through the Guest Access Portal or through hard copy version).

Once purchased, guests have 10 days to cancel the coverage after such time no refund will be issued. Typically, the insurance is purchased with a guest’s first payment but it may be added as late as, but not after, the guest makes the final payment. After making the final payment, guests will have to contact the travel insurance provider directly to purchase the plan. Because MRA offers travel insurance, there will be no refund for insurable events if a tenant opts out of purchasing the plan. MRA highly recommends the purchase of travel insurance to protect your vacation investment.

*Please note that if you do NOT purchase travel insurance and a named storm (i.e., tropical storm or hurricane) is present and predicted for our coastline, any insurance coverage purchased after that fact does not include trip cancellation or interruption protection in relation to that particular storm.

Can I remove or cancel the travel insurance on my reservation after it is purchased, or if I change my mind?

Once the travel insurance plan is purchased, you have 10 days in which to cancel the purchase of travel insurance after which time Margaret Rudd & Associates cannot issue a refund for the plan.

Where can guests go for information on travel insurance as it pertains to the Coronavirus/COVID-19 pandemic and coverages provided?

Guests with questions regarding travel insurance coverage should contact Generali at (866) 642-5889.

Where should guests go to file a claim on their travel insurance plan?

Guests may file a claim electronically through the eClaim Portal (link below) or by calling (800) 541-3522 toll free.

eClaim Portal

What is the damage protection plan and what does it cover?

MRA provides its guests with financial flexibility when it comes to their vacation investment. As an alternative to the traditional, refundable $400 security deposit, guests may elect the option of choosing a non-refundable vacation rental damage protection plan with a low, one-time payment. MRA guests must choose EITHER this non-refundable damage protection plan OR the traditional refundable security deposit. This convenient damage protection plan provides coverage in the event that accidental damages occur to the property during a guest stay. For specific information on the coverage provided under this plan, please refer to the buttons below.

Damage Protection Plan Flyer Damage Protection Plan Policy

Can I remove or cancel the vacation damage protection plan on my reservation after it is purchased or if I change my mind?

Guests may change the selection of the vacation damage protection plan or the traditional $400 security deposit any time up to, and including at, check-in. Guests must select either the traditional refundable security deposit or the non-refundable vacation damage protection plan prior to accessing the rental property.

How do I purchase the vacation rental damage protection plan and is it required?

The non-refundable damage protection plan may be selected in lieu of the traditional refundable security deposit when signing a Vacation Rental Agreement. It may be added or selected up to, and including, at check-in. While MRA does not require the election of the damage protection plan, guests must select EITHER this plan OR the traditional security deposit.

You may elect this option when booking your online reservation through the website and/or when signing the Agreement electronically through the Guest Access Portal or by hard copy version. You may also contact MRA any time up to, and including at, check-in to select this plan in lieu of the traditional $400 security deposit. The damage protection plan provides a maximum benefit of $3,000 to cover unintentional damages to the rental property and the Tenant is responsible for any costs exceeding the maximum benefit. The damage protection plan can be purchased up to, and at, check-in. Tenants are responsible for any intentional or willful damage to the rental property, as well as any damages caused by breach of contract.

How likely is it that a hurricane will hit the United States this season?

Check out this interactive map of the United States, courtesy of Generali Global Insurance, to see what the probability of a hurricane or tropical storm hitting North Carolina or other areas is this Atlantic hurricane season.

https://www.generalitravelinsurance.com/partner/vr-blog/hurricane-risk-map.html

Travel Insurance & Damage Protection

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