You Don’t Need Travel Protection if…
…you don’t travel; just like you don’t need car insurance if you don’t drive. Although we can’t control luggage getting lost or stop a family member from having a medical emergency during vacation, having travel insurance decreases out of pocket expenses and the hassle it will take to solve unplanned events. Problems during vacation take on many forms. Here are a couple of things to be aware of before you leave on vacation:
Medical Coverage: When things go wrong on vacation, which sometimes they do, this is often the biggest expense for tourists. Expenses can be anything from injuries in a traffic accident to tripping over a curb and breaking your hip. The State Department website says that “…a consular officer from the U.S. embassy or consulate can assist in locating appropriate medical services…. However, payment of hospital and other expenses is the patient’s responsibility.” If you think your medical insurance will cover you in a foreign country, think again. Medicare does not cover patients outside of the United States. Some medical insurances cover practical hospital costs, but few insurance companies will take care of medical evacuation which can quickly cost anywhere from $10,000 and up. Remember, the body isn’t put on hold when you go on vacation. No matter what age you are, travel protection can provide coverage for the unexpected.
Inconveniences/Disruptions: Disruptions and inconveniences come in all shapes and sizes. Some don’t alter your vacation a whole lot, while others cause a trip cancellation. People may have jury duty to attend; others might be waiting for their lost luggage to reappear. In these situations, some travel insurance packages will be able to cover those uncontrollable circumstances by, for example, reimbursing you for the unused portion of your vacation. Whatever the case may be, talk to a travel agent to verify what your travel insurance will cover and to obtain the right insurance package for your trip.
The following link tells a story of a mother and son who didn’t have travel insurance and the penalty they paid: Why have a passport and travel insurance? (http://www.columbusvacations.com/app/webroot/blog/?p=642). Needless to say, you don’t want to have to pay the price they had to make in order to get home.
Preparing for the unexpected may not be your top priority, and travel disturbances may never happen. However, travel protection can give you the peace of mind before and during your vacation. With a travel agent and protection, trip disruptions can be better handled with ease.
How has travel protection helped you?