Do you need travel Insurance?
Many people avoid considering travel Insurance, thinking that this is just another added cost to the price of their vacation. They do not foresee the need for this type of insurance. They take the chance that nothing will go wrong. They have the misconception that only people who are ill or elderly need this insurance. Well this is not the case. Anything can go wrong and prevent you from getting the maximum benefit from the price of your trip.
Travel insurance policies include the following:
- Trip : Unexpectedly you or a member of your family may become stricken by an illness or emergency a week or so prior to your departure. You are then faced with the possibility of canceling your trip and a penalty or complete loss of the trip.
- Trip Delay: You are on the way to the airport and your car breaks down, you end up missing your flight and the ship. Travel insurance covers this type of delay.
- Baggage loss or Delay: This is very common, the airlines often misdirect your luggage. Your formal attire and all your clothe and accessories do not make it on the plane or ship. Some travel insurance policies cover your bags to be delivered to the next port of call. Or if the airline permanently loses your luggage this insurance will help cover your loss.
- Trip Interruption: You are a couple of days into your week cruise and the Captain comes over the public address system and announces that your ship has a serious mechanical problem, which necessitates the canceling of the rest of your voyage. You need to disembark at the next port of call. This insurance will reimburse you for “out of pocket” expenses. Such as a hotel stay while waiting for your flight home. Also with this policy you may even get home sooner than most people that have to depend on the cruise line for help.
- Medical Expenses: You may have an unexpected accident on the ship or while ashore, which may require immediate medical attention. This policy will cover most of all “out of pocket” expenses. Such as, a doctor or hospital in a foreign country or far off port of call.
- Emergency Evacuation/Repatriation: This is one of the most costly expenses you could ever encounter a medevac helicopter, coast guard or military unit may need to assist you. You could owe thousands of dollars after the use of one of these evacuation processes.
- Involuntary job loss: You and a friend are planning a trip and one of you unexpectedly loses your job a couple of weeks or months before the trip. This may cause one of you to be left with the entire cost of the trip or canceling the trip and the loss of your entire fare.
- Act of war or terrorism: This too is generally included in your travel insurance policy.
Travel Insurance
Travel Insurance