No one wants to think about the possibility that things can go wrong, when planning a vacation.
But accepting that things can go wrong in these trips may very well be your best protection from the worst, because you will realize that one of your most important tools to ensure your safety is travel insurance.
Whether you're planning a drive out of state, a cruise, or your dream vacation, trip insurance can help protect you and your investment if something happens to interrupt, delay, or even cancel your vacation.
There are many options to choose from, from policies that can refund the cost of your trip if you are forced to cancel to those that provide assistance if you find yourself stranded, with lost luggage or fallen ill.
People who are members of groups like the AAA, traveling with in the United States and are not paying reservation fees, may not feel the need for travel insurance. However, if you get sick or get into an accident in another state, you could be facing large medical bills since most health insurance policies are limited to the state where they were purchased and often to a set network.
Medical travel insurance, depending on the type of coverage, may assist with these costs in the U.S. or in other countries as well. Policies can also assist with getting you relocated to a treatment facility closer to home, should longer term hospitalization be required.
And should an emergency occur prior to your leaving and you have already paid for reservations and plane fare? While nothing can replace the vacation you'd dreamed of, trip cancellation insurance will reimburse you for covered "non refundable" prepaid travel expenses that would otherwise be lost in the event of an unexpected cancellation. A variation of accepted reasons for cancellation may include illness, an accident or death involving the insured, a family member or traveling companion. Some plans may even accept work related issues or any reason at all for cancellation.
Other types of travel insurance geared towards students, business travelers, missionaries, or those in a high risk line of work, may help with lost luggage, flight cancellations and even family members in recovering a body of a traveler who dies abroad, or provide life insurance for those who loses a family member during travel.
Preparation for worst can pay off even if none of us want to think about them on our vacation. Peace of mind might be all you get, but if something does go wrong, depending on the coverage, type of trip and the circumstances, it certainly pays off.
But accepting that things can go wrong in these trips may very well be your best protection from the worst, because you will realize that one of your most important tools to ensure your safety is travel insurance.
Whether you're planning a drive out of state, a cruise, or your dream vacation, trip insurance can help protect you and your investment if something happens to interrupt, delay, or even cancel your vacation.
There are many options to choose from, from policies that can refund the cost of your trip if you are forced to cancel to those that provide assistance if you find yourself stranded, with lost luggage or fallen ill.
People who are members of groups like the AAA, traveling with in the United States and are not paying reservation fees, may not feel the need for travel insurance. However, if you get sick or get into an accident in another state, you could be facing large medical bills since most health insurance policies are limited to the state where they were purchased and often to a set network.
Medical travel insurance, depending on the type of coverage, may assist with these costs in the U.S. or in other countries as well. Policies can also assist with getting you relocated to a treatment facility closer to home, should longer term hospitalization be required.
And should an emergency occur prior to your leaving and you have already paid for reservations and plane fare? While nothing can replace the vacation you'd dreamed of, trip cancellation insurance will reimburse you for covered "non refundable" prepaid travel expenses that would otherwise be lost in the event of an unexpected cancellation. A variation of accepted reasons for cancellation may include illness, an accident or death involving the insured, a family member or traveling companion. Some plans may even accept work related issues or any reason at all for cancellation.
Other types of travel insurance geared towards students, business travelers, missionaries, or those in a high risk line of work, may help with lost luggage, flight cancellations and even family members in recovering a body of a traveler who dies abroad, or provide life insurance for those who loses a family member during travel.
Preparation for worst can pay off even if none of us want to think about them on our vacation. Peace of mind might be all you get, but if something does go wrong, depending on the coverage, type of trip and the circumstances, it certainly pays off.
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