My thoughts on Travel Insurance

I travel a lot both for business and pleasure.  Prior to opening a Travel Agency, I worked for 30 years for the Government where travel was a required necessity of the job.  While in the Government I did not need travel insurance because employees were fully covered.   On our family/friends vacations, I never purchased trip insurance because I thought it was a waste of money.


This all changed when I was in my early 40s and I slipped on the ice about a month before an expensive cruise vacation.  I broke my leg and the doctor would not clear me to travel the following month because of the possibility of blood clots.   My husband and daughter weren’t able to go because they needed to stay home to care for me.  So all 3 of us lost our entire $7,000. cruise payment.  Up until this time, I never thought something would happen to me because we were active and healthy, but it did.  I  now never book any type of trip without travel insurance.

I also spend a lot of time in Spain and my health insurance will not cover many important parts of travel, such as evacuation coverage which would cover returning the sick person home to be cared for in the United States.    I have decided never to travel again without at least $50,000 in evacuation coverage, preferably $100,000, and $50,000 additional medical coverage.

Also, consider your travel companions and family.  The entire family needs to be jointly covered in case there is a medical issue oversea or one member needs to end the trip early or cancel.

There is one insurance called Travel Guard which is highly respected and I often recommend it that will add your child to the policy for free.  This can save families a tremendous amount of money when they are traveling as a family.

I now sell Travel Guard Trip Insurance as part of my Travel Business and proudly endorse them.  See my website for a quote or additional information.

10 Reasons Travel Insurance Is A Pretty Smart Idea from Travel Guard Trip Insurance:

When you travel, things happen. They just do. But we’re here, ready to be a fantastic travel companion day or night, rain or shine. Here are 10 situations that really happen. And when they do, you’ll be quite happy we have your back.

  1. It’s 10PM. You’ve just landed at the airport to catch your connected home. Your family is tired and wants their own beds. But now, you just found out your flight has been canceled. This isn’t fun. So, who will find you a flight home?
  2. You’ve lost your bag. And your bag had your meds. So you need to find your bag ASAP. Who can help you find that bag or refill your emergency prescription?
  3. Ah, Europe. You’ve waited to take in all the grandeur new and old. But someone not very nice just stole your passport and wallet. Yikes! You need emergency cash. You need a new passport. You need someone who can get things done fast. Who is that someone?
  4. Uh oh. You’re in an accident and the medical treatment you need is not happening way out there. That means a medical evacuation. Are you going to coordinate all of that alone after you’ve been in an accident?
  5. Your extended family has been planning the annual reunion for months. But hours before you take off, your sister-in-law gets too sick to go. So everyone decides to cancel. What happens to your non-refundable deposits or pre-payments? Who can help with reimbursement?
  6. You arrive in Jamaica, but your luggage doesn’t. Who will find it? Who will pay for your travel necessities until you are reunited with your beloved bag? And if it is gone for good (we’re sorry), who will cover all the stuff you just lost?
  7. The trip sounded amazing, so you booked it. But then your cruise line, airline or tour operator goes bankrupt. Yes, it happens. So what about the non-refundable expenses? And who can get you to your destination now?
  8. You’re walking down a historic old street in Rio. It’s amazing. Then suddenly, ouch, you twist your ankle big time. You need a doctor, but not just any doctor. One who preferably understands English. Okay, how will you find this doctor in a city of 6.5 million people?
  9. A reality is that terror can strike anywhere. Three weeks before your trip, an incident occurs where you are headed. Maybe you still go. Or maybe you decide to cancel your trip. If you do, who is going to get your money back?
  10. Sun. Sand. Water. There’s nothing like the serenity of a beach resort. Unless a hurricane blows through and spoils the fun. Now, you can’t stay in the resort and need to be evacuated out. Who gets you out? Who reimburses you for the lost beach days?
Travel Insurance

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