Trip Interruption Insurance..most important!


You’re sitting in the travel agency and you plan this amazing trip, costing you a lot of money (or not) and your travel agent wants more money from you by asking “Do you want Travel Insurance”?  At this point most people say they have it on their credit card or through work.  BUt be warned, the credit cards may not offer what you need.  Most don’t carry cancellation and most importantly TRIP INTERRUPTION insurance.

After taking some extensive training on insurance, and recently on Trip cancellation and interruption I felt I had to share the Trip Interruption benefits with you.

Did you know:

  • trip cancellation only covers you BEFORE you leave on your vacation
  • trip interruption coverage kicks in the minute you open your door to head to the airport.
  • trip interruption covers what might stop you from going on your trip, getting to your destination, while at destination and on the way home
  • Before you get to the flight – things like missing your flight because of a flat tire, traffic, being held up in security or customs, flight cancellation, flight delay and the list goes on
  • When you get to destination – emergency at home and you have to leave, business conference is cancelled when you get there and that’s why you went, you or your travel companions passport or travel visa is stolen and you have to wait at destination until documents can be replaced, a death in the family, and the list goes on
  • on your way home – flight delay due to weather or mechanical issue or just because, etc.

What if you’re on a trip and you fall and break your leg?  Health insurance kicks in for the medical issue, but you miss the rest of your tour.  Trip interruption will pay for the remaining part of the tour and a flight.

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Trip interruption is there for you when the unthinkable happens.  Coverage kicks in as soon as something happens that interrupts your vacation.  You may not think this coverage is used very often, but realistically it’s used more than cancellation insurance.

All travel insurance is a necessity.  Most people are very aware they require health insurance because of the expense in another country to be in a hospital, but Cancellation and Trip interruption cover your investment in your trip.  Think about it before you go

What is a Wellness Vacation


Wellness Vacations come in many forms. It just depends on what you as an individual are looking for.  Some people may look at a Spa with several Spa Treatments and time at the beach as a wellness vacation.  others might want to incorporate yoga, spa and exercise programs.  Its definitely an individual preference.

There are many companies selling Wellness Vacations, so I did some checking into what they are saying are “Must Haves” for a wellness vacation.

Massages:  32 % of people polled in a survey said that Massages were their number one must have. In fact they wanted SEVERAL massages.  And I have to agree, there is nothing better than a good massage.

Culinary – 28% of people surveyed  said that a Must Have was great cuisine. They wanted healthy food, vegan food, nutrition advice, cooking classes and fine dining. And again I have to agree, I love my food!

Physical Activities: 24% of the people surveyed wanted exercise classes, walks, water activities, hiking, access to a physical trainer and yoga.

Nature:  23% wanted a beautiful location, fresh air, great views, beach, warm weather and hot springs.
Rest and Relaxation:  18% responded that they want downtime. They want to decompress and de-stree with total time out.

Peace and Quiet:  12% required a relaxed atmosphere, serenity, peaceful enviroment and quiet time away from everything.

So, whats on your “Must Have” list if you were going on a Wellness Vacation?  I know myself I would pretty much go with exactly what is listed and mostly in that order.  I would only add one thing, and that would be my best girlfriends to have some laughter as well!

From a really great website I have included this article.


When you’re looking to find a spa, finding the right spa really depends on what YOU are looking for and what YOU will feel comfortable and happy with.
Ask yourself these questions:

What is my most important objective in planning a spa or wellness holiday?
a) pampering b)bonding c)stress management d) kick start a healthier lifestyle
What kind of accommodations am I looking for?
a) an intimate country inn b) a city hotel c) a family resort d) a luxury golf resort

• What kind of food do I want?
a) international gourmet b) basic and nutritious c) lighter spa cuisine d) vegetarian

In addition to spa treatments what do I want to do during the day?
a) lounge by the pool b) physical and recreational activities c) take part in educational programs d) shopping or sightseeing

• How do I want to spend the evenings?
a) read and relax b) take part in educational workshops c) enjoy live in-house entertainment d) take in local theatre/nightclubs
• If I’m travelling with a partner, a family member, friends, what are their main interests?
a) relaxation and renewal b) recreational facilities and physical activities c) off-site shopping or sightseeing d) socializing and nightlife
• How much do I want to spend?
Budget will determine how far you travel from home, how long you stay and the type of accommodations you choose. Remember even if you can’t afford to stay at a resort spa, you can stay at a nearby hotel that is less expensive, then book spa facilities as a day guest.

The answers to your questions will help you determine your needs and objectives, and help you find a spa that’s right for you. Do keep in mind, however, that due to the continuing popularity of spas and wellness programs, facilities can book up quickly, so reserve treatments at the same time as you make a hotel booking. Other questions to keep in mind:

What is there to do other than spa?
• Is the restaurant licensed? Or, is it BYOB and if yes, is there a corkage fee for opening wine with dinner?
• What else should I bring?
• Do the rooms have TVs and telephones?
• What about Internet access?
• What else is there to do in the immediate area?
• How far is the inn/resort/hotel from the nearest town/city/airport?.

So keep all this in mind when dreaming of a Wellness Vacation!  Now…Relax!

Travel to make those memories happen!

I’m writing this blog today to remind people that you need to make memories…create them as much as you can, because pictures are great, but they don’t even begin to tell the story that a memory will…

Recently my husband Lorne, my son Josh, and myself took my parents to Toronto.  To give you a little history, my dad has MS and has had it for 10 years.  He’s fortunate that it’s not very progressive and he isn’t in any pain.  They used to love to travel and now they feel it’s too hard because he can’t get around very well.  He’s either in a wheelchair or using a walker.

Now my son used to plan baseball, right through College.  His grandma and grandpa were at every game they could possible get to and loved every minute of it.  And now that my dad is basically in a wheelchair he sits in front of the TV all day during baseball season and watches the ball games…its his life.

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Josh (my son) has been asking his grandpa to let him take him to a live game in Toronto to watch his favorite team, the Toronto Blue Jays.  He always said No because it would be to hard for him to get around.  I’m a travel agent and have endless suppliers that I can work with to make sure the trip is seamless for him to go, but he kept saying No.  UNTIL this last month… I decided to lay it on the line (and give him a guilt trip about his grandson wanting to take him), and he finally said YES!!  We were in shock, but by the next day I had booked the Flights, front row with wheel chair assistance, the hotel connected to the Blue Jays Stadium, and Handicap transfer from the airport.  We took his wheelchair and walker and also arranged for a wheelchair for my mom so that she wouldn’t have to walk that much.  And Blue Jays tickets on the first level.

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Shopping for gear to wear to the game!

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Home run by favorite player – Baptista

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Waiting for the game to start

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Happy to be at a live game! Favorite Players – Buerhle, Price and Donaldson

It went so amazing.  The 2 extras for my dad was that they were playing the New York Yankees (his least favorite team) and we got a picture of him and my son with Russell Martin’s dad (the catcher on the team).

Another dream..touching the Stanley cup!

Another dream..touching the Stanley cup!

So my advice out to everyone is DO IT!  Travel something to make memories with family and friends.  obstacles can be overcome if you truly want them to.  This trip will be forever in our memories..seeing my dad and mom enjoy themselves so much! Thanks to WestJet for their amazing help with the flights, Dignity Transportation Company, Toronto Blue Jays staff, the Renaissance Toronto Downtown.

And 3 days after we returned he said that he wanted to look into doing an Alaskan Cruise!  Something they both have wanted to do all their lives!