One of the many things we learned from living with a pandemic for the past two years is that travel insurance is a vital element in any traveler’s itinerary.
Even the best-laid plans can go awry when the unexpected happens. Travel insurance can help you protect your valuable trip investment and provide many important benefits. While some insurance programs (through suppliers and credit cards) may include trip cancellation and trip interruption coverage, it’s important to review and understand the coverage you ACTUALLY have.
Many travel insurance policies may provide additional coverage for emergency medical transportation and medical expenses that often are not covered by other plans.
Why Do Travelers Need Protection?
The list of possible events and occurrences that could cause you to need travel insurance is daunting.
Your parent falls ill, your job lays you off, someone in your travel group catches Covid, hurricane threat in the region, etc… Who wants to bring negativity like a bunch of “what ifs” while planning your dream vacation? As a travel agent, I have plenty of stories of when travel insurance paid off for my clients, and unfortunately I also have some even have horror stories of when my clients wished they had purchased it.
At the end of the day, I am always going to bring it up, as a way to ensure peace of mind.
Questions to Ask Yourself
- What coverage do I current have (through work and/or credit card)?
- Can I afford to miss my trip and lose my vacation investment if something goes wrong due to illness, weather, or other unforeseen circumstances?
- Can I afford to cover the cost of returning home if I are forced to end my trip abruptly?
- Does my medical insurance cover me whenever and wherever I travel?
- If I have coverage, does it include Covid related illness?