So do you need insurance? Well, it depends, but in most circumstances it is a good idea to protect your travel investment. Think about what could happen....
When traveling within the US and/or close to home, travel insurance may or may not be beneficial. One key factor to consider is any non-refundable expense incurred if you do not have insurance and what your medical coverage offers. If the expense is low, insurance may not be the right option.
However, for international trips, I almost always recommend travel protection. Not having to worry if something were to go wrong is a great benefit. Having an additional advocate on your side is especially helpful, considering the different cultures and laws one must deal with.
The most common travel insurance includes trip cancellation and interruption, baggage protection (lost or damaged luggage), medical and evacuation coverage. Sometimes last minute medical issues can derail a trip. Other times a trip may start on time but may end prematurely due to events beyond your control. Coverage for those unforeseen circumstances. I equate this to car insurance. I purchase auto insurance in the event of an accident. I hope I never have to use it, but I know I'll be glad I have it and an advocate on my side should the need arise.
Expect to pay between 4-10% of the total trip. Rates are based on a combination of total non-refundable portions of the trip, the age of the person traveling and in some cases where you are traveling to. Keep in mind that travel insurance policies are not equal, so compare what each offers (have your travel consultant do this) and find the one that best fits your individual needs. You can purchase insurance directly from the cruise and tour companies, however I suggest the 3rd party vendors. These companies specialize in insurance and usually offer more options at better prices. And you are covered in the event the cruise or tour company goes bankrupt (believe me this happens).
Remember, travel insurance provides peace of mind and financial security so you can enjoy your vacation. Don't leave home without it!
Start planning your next dream vacation today!
Call 602.540.7338 or complete this simple form
and we will reply quickly.