Is Travel Insurance Right For You?
Let's take a moment and talk about whether travel insurance protection is right for you? Let me ask you the following basic questions. Can you afford to lose your vacation investment? Most of us work hard for our money and saved up so we can take a nice trip every now and then. So what if something does go wrong? Say an unforeseen illness or injury, a death in the family, or some other unforeseen circumstance that causes you to cancel the trip. Would you like to have that non-refundable trip cost back?
If an emergency occurred while you are on the trip and you have to cut the trip short. Can you afford the cost of a return airline ticket home? Do you know if your regular health insurance covers you when you are away from home? Does it provide coverage for you in foreign country? If you become severely ill or injured while traveling who would you call for assistance? Who would arrange transportation to get you home. More importantly, who would pay for it? A Medical Evacuation from overseas can cost upwards of $100,000 dollars or more. That's slightly more than my credit card allows. What If your bags get lost or you have to spend an extra night in a hotel because of weather-related delays? Can you afford to pay for additional lodging and meals?
If you answered 'No' to any of these questions, chances are travel insurance may be a wise investment for you. In the end...Travel insurance just might save you a lot of money. There are a number of reasons why you may want to purchase travel insurance. The most common reasons are peace of mind, protection from the unexpected, and concern over losing the financial investment in a trip.
Here are some so good examples as to why you may want to buy travel insurance:
You have to cut your trip short because of illness. You have to cancel your trip because a family member had an accident. Your flight is delayed overnight because of bad weather, and you need a hotel room. Your baggage is lost or substantially delayed. You miss your cruise departure because of weather-related flight delays. You need medical assistance while abroad. You have an auto accident in a foreign country and need legal assistance. You have to cancel a trip because your home is flooded or uninhabitable. You can't get home because of a hurricane, floods or other natural disaster at your destination. You may have noticed our online Policy Picker tool on our homepage. The Policy Picker will help you compare premiums and benefits of several travel insurance plans offered by the top providers in the industry. Give it a try, or better yet, just give us a call. We'll be glad to help you find a travel insurance policy that does what you need it to do for the best price.
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