If you are planning a trip, have you found the best deal from a travel insurance company?
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Most people regard travel insurance as an added expense or a luxury but in fact it is the most important purchase of your whole family vacation, especially when travelling with children and I will tell you why.
After working as travel agent for many years, I have seen case after case of incidents where clients were left in distress or financially devastated because they chose not to take the time or didn’t feel it was important to spend the few extra dollars to make sure their families were protected.
I realized what a risk I had been taking by not purchasing travel insurance for my vacations. I never travel without proper travel insurance.
No one expects an accident to happen, what if your family is at the beach enjoying your Caribbean vacation and your child cuts his foot open on a rock or you suddenly have an appendicitis attack?
Obtaining healthcare in some parts of the world can be tricky. Some hospitals won’t provide any treatment–or won’t allow a patient to be discharged–until the hospital has received a guarantee of payment. This means you’ll have to pay in advance , perhaps as much as tens of thousands of dollars, with your credit card. Of course, for this to work the hospital must accept foreign credit cards and your card must have a sufficient credit limit.
In addition, remember that leaving your destination–for a place with higher quality medical care or to return home where your regular insurance is accepted–can be difficult and extremely costly to arrange. Emergencies are rare but everyone should have a contingency plan and trip medical insurance from your travel insurance company which provides just that.
Trip cancellation insurance is also an very important coverage to have from your travel insurance company. It may come as something of a revelation to find out that if for whatever reason you need to cancel your trip, most are 100% non refundable and you will lose the entire cost of your trip.
Check the fine print of your travel documents, you may be surprised but it is there. If you think the tour company or the airline will feel sorry for you and refund your tickets, I guarantee it will not happen. If they did this for everyone, they would quickly be out of business
What happened to the Smith family?
There was the case of the “Smith” family that had booked a family ski trip and paid $5,000 in advance but did not
contact their travel insurance company. However, shortly before their departure, Jr broke his leg and was instructed by the Doctor not to fly.
With it being so close to departure, their ski vacation was 100% non refundable, they had to cancel their trip and lost all their money.
The Jones family was better off….
Then there was the case of the “Jones” family who planned a cruise which was costing just over $4,000. Fortunately they had the foresight to take out cancellation coverage for the entire trip from their travel insurance, with each family member having their own policy.
Two days prior to departure, Mr Jones developed a problem that required emergency surgery. The cruise vacation had to be cancelled but most of the trip carried a 100 percent cancellation fee and the result was a payout of $3,800 from their travel insurance company. They rebooked their trip at a later date.
Considering the cost of vacations these days, it is not worth it to risk it and leave it to chance. The peace of mind that travel insurance provides is unbelievable. You can relax and enjoy yourself knowing that whatever happens, your family is protected by your travel insurance company.
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Insurance Related Resources
Best Travel Insurance Travel insurance, like all insurance, is predicated on the occurrence of unforeseen events. You need to purchase travel insurance before your trip for maximum coverage and peace of mind protection against the unexpected.
Children covered at no additional cost through AIG Travel Guard.