In today’s travel world, travel insurance has truly become a non-negotiable trip item, covering your rental car, flight only, cruise, and everything else on your itineraries. I have seen more issues as we have come out of the pandemic, where travel plans have gone differently than planned.
What are some examples of things I’ve seen?
- I have had clients who had a medical event before travel and had to cancel their trip because they could no longer travel.
- I have had clients who have been injured or fallen ill during travel, had to seek medical attention and even some who have had to return home.
- I have had clients lose items or have items stolen.
- I have had clients experience various reasons for flight delays and cancellations, from weather to birds hitting the plane.
The world and life are absolutely unpredictable, so there are several compelling reasons to purchase travel insurance.
Here are several compelling reasons to purchase travel insurance before embarking on a trip:
- Trip cancellation or interruption coverage: Travel plans can be unexpectedly disrupted due to various reasons such as illness, injury, or the death of a family member. Travel insurance can provide reimbursement for non-refundable expenses and help recoup the costs of canceled or interrupted trips.
- Medical emergencies and expenses: Healthcare costs can be exorbitant in certain countries, and your regular health insurance may not cover you while traveling abroad. Travel insurance can provide coverage for emergency medical expenses, including hospital stays, doctor visits, and emergency medical evacuations.
- Lost or delayed baggage: Airlines occasionally misplace or lose luggage, leaving travelers without their belongings. Travel insurance can offer compensation for lost, stolen, or damaged baggage, as well as provide reimbursement for essential items in case of baggage delay.
- Travel delays: Delays in transportation can disrupt travel plans, leading to additional expenses for accommodation, meals, or alternative transportation. Travel insurance can provide coverage for these expenses, offering financial protection against unexpected delays due to factors like inclement weather, natural disasters, or airline strikes.
- Emergency assistance services: Many travel insurance policies offer access to 24/7 emergency assistance services. This can be particularly helpful when facing language barriers, seeking local medical providers, or navigating unfamiliar situations.
- Travel-related emergencies: Travel insurance may cover emergencies such as trip curtailment due to a terrorist attack, political unrest, or natural disasters at your travel destination. It can provide peace of mind and financial protection in such unforeseen circumstances.
- Rental car coverage: If you plan to rent a car during your trip, travel insurance can often provide coverage for rental car damages or theft, saving you from incurring additional expenses or relying on costly rental car insurance.
- Additional benefits: Depending on the policy, travel insurance can offer additional benefits such as coverage for accidental death or dismemberment, legal assistance, and assistance with lost travel documents.
It’s essential to carefully review and understand the terms and conditions of any travel insurance policy before purchasing, as coverage and exclusions may vary. Additionally, consider the specific needs of your trip, your destination, and your personal circumstances when deciding on the right level of coverage.
Travel agents are not insurance agents, but we can provide you with coverage options and pricing for your travel. We work with several travel insurance providers. We can make recommendations based on your experiences as we never leave home without it, but any specific policy questions should be directed to the travel insurance company. Be sure to always discuss your options for your itinerary when booking and when making your deposit payment, as most companies have a pre-existing medical condition requiring insurance to be booked at deposit or within two weeks of depositing. There are some exceptions. For more details on the reasons to purchase travel insurance, speak with your trusted travel advisor.
Lisa Rossmeissl is the owner of Boomerang Escapes, a home-based agency located in Old Bridge, New Jersey with agents in TN, MS, and WI.
She has been a professional travel consultant since 2008 and specializes in Australia and the South Pacific. Australia, New Zealand, Tahiti, Fiji, and Cook Islands are among the specialist certificates she holds. Her agency’s focus is on creating custom itineraries with their client’s wants, desires, and budgets in mind. She and her planners believe in getting to know the traveler to ensure they have a vacation to remember. With each planner specializing in a different market area, Boomerang Escapes can offer a wide variety of leisure vacation planning.