You’ve spent months planning the perfect family vacation before the school year starts, and you tell yourself, “We’re going no matter what.”
That what suddenly becomes little Johnny running a high fever of 105, and with just days before your departure, you also get sick.
Sound familiar? It’s funny because I am guilty of just that type of mentality. The days of, “Oh, nothing’s going to happen before we go,” are totally over.
Enter reality.
People get sick. A family member falls and breaks a leg. Hurricanes hit. Flooding occurs. Resorts get damaged. Your lovely boss needs you to stay to help with a company issue. Or worse, you get terminated.
All these and more are reasons to buy travel insurance. Gone are those days of the negative thoughts about travel insurance. For the small cost of your trip investment, the three main reasons why you should buy are peace of mind, protection against the unexpected and concern over losing your financial investment in a trip. For fractions of what you invest in a trip, from planning to actual cost, just having peace of mind is all you need.
Some things travel insurance will cover:
- Your baggage is lost or damaged.
- You’re involved in an accident and adequate medical treatment is not available. You need medical evacuation.
- You need to cancel your trip due to your illness or other family emergency.
- Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable expenses covered to get to your destination.
- You have a medical emergency in a foreign country.
- A terrorist incident occurs in the city you are planning to visit, and you want to cancel your trip.
- A hurricane forces you to evacuate your resort, hotel or cruise.
- You are called for jury duty.
- Loss of employment.
- Travel delay.
- Legal separation or divorce.
- Traffic accident en route to your destination.
- Military duty.
I always tell clients not to take insurance if they do not mind losing the money they paid for a trip.
Unfortunately, cruise lines, tour companies and airlines are no longer sympathetic to your problems.
Recently, we had a client fly to her destination. Due to illness, however, she had to be hospitalized before ever boarding her ship. Luckily, she had taken the insurance and her cancellation was covered.
Contact Sue or Bruce Mitchell, your Cruise Planners travel specialists, with any questions about travel. Visit our website at redmountaintravel.com. You also may send an email to smitchell@cruiseplanners.com, or call (480) 396-8084.