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

Travel Insurance..the ongoing Dilemma

In my 20+ years of experience being a Travel Agent I am still baffled as to why people feel they don`t need Travel Insurance.  Come on people…not everyone is rich enough to pay a huge medical bill if while on holidays something happens.  And just because you are healthy doesn`t mean you might not get hit by a car, or fall down at a resort and break your leg!travel3

So I shake my head and start the process of telling them how very important it is to at least buy Health Insurance.  Cancellation is a whole other process to convince people to get.travel2

There are 3 plans that you can look at buying when purchasing Insurance for travel.  The Deluxe Plan, Trip Cancellation/Trip Interruption and Health insurance.

Ideally the Deluxe plan is by far the best.  It covers you for Health, Cancellation/Trip Interruption, Air Accident, and Baggage.  Some insurance companies also cover Cancel for any reason.

The Cancellation/Trip Interruption plan will cover you for cancelling before you go on a trip, and if you are on your trip the trip interruption will cover you should something happen while on holidays and you have expenses like a first class ticket home because you need that, hotel and transportation expenses while down there.  When I am talking to people about the Cancellation I ask them one direct questions.  “Can you afford to lose all the money you put out for this vacation if you have to cancel”  Simple.  It’s a personal opinion on cancellation as a lot of people feel it’s a waste of money.  Well people, it’s a waste of money if you don’t have to cancel!travel1

Health Insurance Plan – This covers health issues while on holidays.  If you get ill while on holidays, it will be covered as long as it’s not a pre-existing condition.  If you are pregnant, and something happens pertaining to your pregnancy, it could be considered a pre-existing condition.  Just one example.

Examples of claims I have had – A young man went to a wedding in the Dominican.  He jumped into a pool and broken his leg VERY bad.  He had always told me he didn’t require travel insurance.  Lucky for him his dad was going on  he same trip and paid for his insurance to make sure he was covered.  Lucky his Dad had some sense.

Another example – a lady went on a cruise to Alaska.  She slipped on the deck and broke her hip.  Luckily she had insurance.

And just a little note regarding drinking alcohol or doing drugs on holidays.  Your travel insurance will NOT cover you if you are drunk or High.  Please remember that!

I will never stop stressing how important Travel Insurance is.  Please keep that in mind when you go to book a Vacation.

Be Safe!