In my past airline days, I’ve seen too many people miss their cruise and other planned vacations because of a flight delay or flight cancellation. Without travel insurance then you just literally tossed money in the trash but with travel insurance, you have some options of recouping your hard-earned money back.
Let’s say your strolling along the beautiful beaches of Jamaica and you accidentally trip and dislocate your knee. You head to the nearest medical facility thinking your US health insurance has you covered but to find out you’re not covered and you must pay cash up front or no medical service will be offered. Again with travel insurance, you have options.
Travel insurance protects the unexpected and offers benefits such as trip cancellation/interruption, medical & dental emergencies, 24-hour phone assistance and cancel anytime. Remember travel insurance is like other insurance products where its features can broadly range so you must make sure you pick the best plan for you and your family. The top 10 reasons to invest in travel insurance are:
- Coverage if you have to cancel, interrupt or delay a trip for a variety of covered reasons.
- Reimbursement for covered medical and dental expenses incurred and emergency medical transportation.
- Coverage for lost, damaged, stolen or delayed baggage.
- Coverage if you are required to work for covered reasons.
- Coverage for supplier default in situations where a carrier, cruise line, tour operator or other travel entity goes into financial default.
- Coverage for existing medical conditions when a plan is purchased on or before final trip payment as shown on your original trip invoice.
- Advance emergency funds.
- Cancel Anytime policy that lets you enjoy extra flexibility.
- Concierge service and 24-hour hotline assistance.
- Peace of mind.
Your well-needed vacation is an investment and having travel insurance will help protect your investment plus you and your family. In my opinion, it is highly recommended to have travel insurance and it’s recommended by the US State Department.
Come back next Tuesday for more Travel Tips!