Travel Insurance - Why YOU may not be the reason you need it!

During the era of COVID - (which will likely be a part of our lives in one way or another for many years to come) - the importance of travel insurance was never more immediate or heightened. For those that had purchased it, they were very glad when it came to impending cancellations and changes that 2020 and the next two years brought. If you didn’t have it and lost hundreds if not thousands of dollars, you may feel the weight of that loss even today. But many still don’t find the importance of this product. Why? They think they’re healthy enough for their trip, the investment in the protection is covered by their credit card company (this is NOT always the case and often times it is NOT nearly as comprehensive in coverage as a stand-alone insurance plan, or they simply just ride on the coattails of good luck and figure everything will be a-ok. What happens when it’s not? What happens when you’re forced into an overnight on your international journey (like I was on my way to Australia in April of 2023) and you have to foot the bill for those charges because the airline doesn’t have anymore hotel vouchers or it was weather related and not a compensated cancellation? What do you do then?

If you’re a savvy traveler, you’ve purchased your travel protection and you’re well on your way to knowing that your expenditures will be reimbursed. But if you’re not, then you could be out hundreds of dollars that you didn’t expect. Many of my clients are savvy travelers and do purchase the product because of me, their travel agent who takes the time to educate them on the ‘why’ when they aren’t quite sure if the product is best for them. However, if you do not have a travel agent, or you are simply a DIYer when it comes to booking your own travel, you may want to keep reading.

Recently, we had a client who was scheduled for a fun cruise vacation with his buddies and who did not purchase travel protection only to find out that a dear friend of his had passed away just days before the expected cruise vacation. Many think that travel insurance covers them if they are delayed or ill (which it can/does), but do you know that often times the insurance coverage can extend to deaths in the family as well? Now here is my DISCLAIMER: I am not a licensed travel insurance agent and I cannot guarantee coverage - you’ll need to check your policy to see if these provisions are included, but I can tell you that you’ll want to at least look into it before skipping it altogether.

In 2012 - before my travel agent days, I was in Hawaii when my own mother had a heart attack and ended up in the hospital. I wasn’t sure she would make it and it was a shock to all of us and unfortunately, we had not purchased travel insurance. We were thankful that we were able to get flights to her relatively easily, but we still lost out on part of our vacation and we had no recourse for financial compensation.

So while you think you may be on-time, efficient, it’s just a wasted product or even an unnecessary one, I can assure you that there are many times and instances that you may not consider that you need it. Don’t let your next vacation become a nightmare by not having adequate coverage. Most policies cost anywhere from 5-10% of your overall trip cost and can often times cover you 100%!

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