Travel Insurance

Why is Travel insurance the least talk about subject, when it comes to planning a trip? We can get all excited and extremely detailed about family vacations, ski trips, exotic cruises, and many other travel ideas and so easily skip over the subject of travel insurance. Now if I were to mention story of the frequent flier, that was use to using this particular airline for all of his travels, and suddenly his airline of choice suddenly went bankrupt,(3 airlines did in 08), what happens to his non-refundable expenses, and furthermore, who will help get him to his destination?

Stories like this often happens and silently goes unnoticed until CNN broadcasts it. Recognizing the importance of travel insurance for any trip should be top priority. Travel insurance is often affordable, with the most basic type of coverage costing just about $5.50 per every thousand covered, why not? And of course prices will slightly vary depending on vendors you choose, but finding cheap travel insurance should be a no-brainer. In fact, travel insurance can be as detailed and catered to any particular trip of your choice. It doesn’t matter if it’s a singles’ trip travel, annual trip travel, holiday travel, cruise travel, airfare travel or any other form of travel, getting coverage is a breeze and very cost effective.

Since discovering why, how, and when to use travel insurance are within your best interest now that you have journeyed this far into the report, lets explore to real value of it. These are some typical situations all covered by various policies. Without insurance, what would you do and who would you call?

  • Your traveling companion’s bag was lost with his asthma pump. He needs help to locate his bag as soon as possible and his emergency prescription filled. Who do you call?
  • It’s 9pm and your mother arrives at the airport for a connecting flight only to find that the flight has been cancelled. How do you get your mother home?
  • Your first trip to Paris and your passport is stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
  • Your airline, cruise vendor or tour operator goes bankrupt overnight. Who will pay for your non-refundable expenses? Who will help get you to your destination?
  • Your spouse is involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
  • Two weeks before your scheduled arrival, a terrorist incident occurs in the city you are planning to visit. Who will pay if you want to cancel your trip?
  • You are at a beach resort in Miami Florida, and are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation?

Selecting the right type of travel insurance can cover all of these situations and lots more. If you think saving $20-$40, is a better deal by avoiding travel insurance and taking the risk of anyone of these unfortunate accidents to occur, then you really aren’t planning to travel.

Travel is an uncertain activity that can often go wrong. I don’t know about you but when I think of travel insurance, this frequent repeated quote comes to mind, “Its better to be safe than sorry.”