Don’t Go Without Travel Insurance
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Whenever I book a trip, I always opt for the travel insurance. I can never predict what may happen and, without adequate protection, all of the money I have paid for airline tickets, rentals, excursions, lodging and the like can just be washed down the drain and there’s nothing I can do about it.
For a long vacation or a trip overseas, this can amount to a significant amount of money that you cannot afford to lose. Perhaps you’ve been saving for a year or more to pay for the trip. Even worse is when you put it on credit cards and have to pay it off (plus interest) anyway, without ever enjoying it.
Depending on the policy you choose, trip insurance generally runs about 5-10% of the trip cost. All kinds of policies are available that will cover you in all types of situations. Be certain to read and understand what you are being insured against and weigh whether that is appropriate in your circumstances. For example, if you are going to France, you may not need hurricane coverage, but it you are going to the Caribbean in September, that option is definitely worth paying.
In addition, you want to make certain you are insured against accidents and illnesses you may experience while abroad. Your regular medical insurance may not cover you, especially if you’re active and participate in sports where injuries are not uncommon.
I like to think about travel insurance as the way of insuring my vacation. If I get sick, if the mountain passes close due to snow and I can’t get to the airport, if there’s a family emergency I can’t ignore, or if any one of dozens of other unexpected things happens, I’m covered. I don’t lose the money I have invested and can take my trip at a later time. This gives me great piece of mind and makes the cost of the insurance very worthwhile.
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October 13th, 2008 at 1:48 pm
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