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What You Want to Know About Travel Insurance

This has to be, without a doubt, one of the most important elements of your vacation. No matter how extravagant or low-budget your trip may be, there are many things totally outside of your control that could change your dream vacation into a nightmare faster than you can say “Superstorm Sandy”. For many years I, like many other travelers, was one who believed that once I had committed to a trip, I was going to go on it…NO MATTER WHAT! It just didn’t seem necessary to add another $79-$129-$249 (whatever the premium) to the cost of trip for something as un-romantic as travel insurance.

I was recently privileged to experience a wonderful tour in Egypt. On the way home, my flight was delayed for mechanical reasons and the family sitting next to me missed the tight connection to their Transatlantic flight home to Chicago and were forced to stay an extra night at an expensive Airport Hotel, including having to purchase dinner and breakfast for themselves and their three whining kids. Whew! All of these situation are extremely stressful, and could be financially devastating if you don’t have adequate travel insurance.

Let's say that you are not elderly…you’re healthy…You’ve already confirmed with your boss 3 times that you can have the time off…Nothing is going to keep you from going on your vacation and nothing is going to go wrong while you are there….right?

Consider these possibilities:

 One of your parents falls and injures themselves and needs you to be their caregiver

 One of your adult children falls ill or needs surgery and has nobody to watch the grandchildren…they need Grandma!

 Your flights to Miami are delayed or cancelled due to the new Polar Vortex and you miss the Caribbean cruise you have been planning all year…The ship has the nerve to sail without you!

 2 days before your Italy tour, your largest client at work announces that they will be cancelling the contract if you aren’t in their offices by 9am 3 days from now

 The volcano in Iceland erupts again, spewing ash into the sky and all Transatlantic flights are cancelled for 3 days. You are stuck in Paris for an extra few days where the average hotel room costs $400 per night, not including meals.

Understanding that there are endless scenarios and the fact that most medical insurance companies do not cover incidents outside of the United States, emergency medical transport or (heaven forbid) body transport, isn’t protecting your dream vacation worth the minimal cost of travel insurance? Your peace of mind and financial well-being are well worth the investment , so do yourself a favor - don't leave home without it!

#adventure #travel #tips #tours

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