Bon voyage! To make sure that your trip is indeed a good one, you truly do need travel insurance to cover all of the unexpected, possibly tragic things that can happen. The best course of action is always to do your research first, with a basic starting point being online. Look for web sites that offer side by side comparisons of the 19 major travel insurance companies, as well as some of the smaller, lesser known companies. You need to know what is covered and not covered, and consider every possible detail no matter how small.
Travel insurance should cover you from the moment that you actually start booking your trip to the time that you return home. You should be sure that the coverage will be there for cancellations, changes to destinations, loss of reservations or adverse travel conditions. Your travel coverage should also include medical coverage in case you get injured or become ill while away from home, especially if you are traveling to a foreign country. Ask if your personal belongings are covered, and if not, ask for a policy which will cover them. Buy a separate policy for your jewelry, or consider leaving it in your safe deposit box until you return from your trip. Safety is more important than wearing Grandma’s pearl necklace to Tuscany.
A good travel insurance policy will also help you if things are not quite what they were supposed to be. For instance, if you had purchased a package deal that included a suite upon arrival, and you find yourself shown to something less than what was promised, your insurance policy can help resolve that issue.
If you have arrived at your destination and your suitcases did not, that is a grumble worthy problem. If your suitcases contain your medication for a serious medical condition, however, it can become a life threatening one. Travel insurance policies can include medical care, which might mean the difference between a few tense hours to a frantic hospital visit to a foreign emergency room. In most situations, replacement medications will be obtained for you in a matter of a few hours without a huge problem. Your life and vacation are saved!
But, let’s say that you have not even left for this trip yet, and there is already a problem. Your boss calls and says that there is an issue with your vacation time and that you will absolutely have to come in. Your prepaid trip is now being cancelled and you are out all of that money, right?
Not necessarily. If you insured your trip as soon as it was booked, this cancellation would be covered as an unforeseeable event. Likewise if the trip is cancelled by the booking agent, or if it is cut short for weather or something else. If you get to your destination, and a civil war breaks out in a neighboring area on day one of your vacation, then of course, you must head for home. That would be covered by your travel insurance policy as well, you did not plan for a war to break out now did you?
Book your trip, and then ask your travel agent for recommendations for a good travel insurance company to deal with. Speak to your homeowner/auto insurance agent and see what that company offers. Do good research and get the best coverage for the best price.
Be safe and realistic, especially if you are heading out of the country; leave the priceless heirloom jewelry at home in the safety deposit box. Cover all of your bases, and have emergency plans in case of a mishap. Traveler insurance may save the trip or at the very least, some of your money, so make sure you get the coverage that you need. Have fun, be safe and come back home in one, happy piece.
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