You’re nearly finished booking your dream vacation and you’re asked if you want to purchase travel insurance. You think, “what could go wrong?”. You might also think, “I have health insurance, so I’m covered.” Before you say no too quickly to what is an added trip expense, consider these reasons for saying yes. Even if it’s a simple weekend trip, don’t rush to “no” so quickly. Like travelers who had to unexpectedly use theirs, you’ll be glad you made the purchase.
Do I Need Travel Insurance?
September 2, 2020
Should You Have to Cancel Your Trip…
Or if the trip is canceled due to unforeseen reasons, travel insurance will save you money. Did you know that tour operators, cruise lines and airlines offer very little in the way of refunds for canceled trips? More times than not, there are no refunds. When this happens, can you afford to lose the money you’ve invested? Trip cancellation insurance will reimburse you (if canceled for covered reasons). You can then reschedule your trip for another time.
Accidents Happen
No one thinks it will ever happen to them and when it does it can be quite terrifying. Having a medical emergency while on vacation happens. It happens a lot. Travelers quickly find out that their American health insurance plans are ineffective in other countries. Medicare offers no coverage outside of the U.S. as well. In these instances, cash is the only payment accepted. With travel health and dental insurance, it can pay for losses for otherwise covered medical and dental emergencies while away from home.
On-time Flights Happen 80 Percent of the Time
What if your flight is part of the 20 percent that is not on-time or is canceled altogether? Travel delay insurance can cover unexpected meals, transportation and lodging due to delayed, or canceled flights. If you miss your cruise or tour due to a delay, your missed connection insurance will help with reasonable transportation costs to get you connected.
When Your Luggage Goes AWOL, Travel Insurance Can Help
Of the 21.6 million pieces of luggage that go temporarily missing, seven percent of those bags never get reunited with their owners. What an awful way to start your vacation! Even though airlines are doing considerably better, you don’t want to take the risk of losing your valuables. Baggage loss/damage benefits thankfully can reimburse you for the actual price, actual cash value, repair, or replacement of your lost/damaged items. Always check your policy for the details.
If you would like more reasons to help you decide, check out my article titled “Should You Pass On Travel Insurance?“
Once you have decided you definitely want to have travel insurance in place for your next family vacation, it will be time to plan that amazing trip.
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