Travel Insurance

As a way to protect ourselves from our daily lives, we are constantly being told we need one kind of insurance or another. The most common being health, auto and home owner's insurance. All three can take a chunk out of the pocket book, but we're happy we have it when something unforeseen takes place. The new kid on the block is Travel Insurance.

Travel insurance is good to have any time you travel whether by ship, plane or train. It'll save you a lot of grief when you were looking forward to a much needed change of scenery and something unfortunate happens along the way. Coverage varies depending on the cost of your trip, age and the benefits you want to pay for. If you suddenly get sick and are unable to take your journey for example, you could receive money back on your ticket. If you opted out of the Travel Insurance, then there would be nothing you could do to redeem the cost of the ticket.

There is always the chance that you could have a medical emergency on a trip and need to be hospitalized. Say you are out hiking and get cut during a fall or your appendix decides to go bad, the insurance provides comprehensive coverage and will give you peace of mind and a smaller doctor bill when you arrive home.

You could be covered for trip delays, cancellation or interruption; loss of travel documents including passports; baggage delay or complete loss; sickness or death by you, family member, travel companion or business partner; some policies even cover cancellation for work reasons (but ya gotta pay a little more!); others include concierge services.

Travel Insurance policies range from Basic to Platinum and everything in between. Taking out an insurance policy for your next trip is highly recommended, but completely optional. I recently took out insurance on a trip heading to Nevada even though it's a domestic flight. This is a first for me, but by working in a travel agency, I hear the best and the worst of hundreds of trips including all the trouble airlines cause their passengers. This time I thought if my trip was delayed or my luggage lost in space, at least I could recoup some of my hard earned cash.

Spending the extra $15-$900/per person can save you thousands of dollars and a lot of frustration when an airline decides to creatively delay your flight or nature takes a turn for the worse. You will be a lot happier than your fellow travelers knowing your situation will be covered by your Travel Insurance policy.

Next time you book your International Trip, talk with your Expert Travel Agent about taking out the travel insurance policy that works best for you and your family. Have a pleasant and safe trip!

Traveling During Hurricane Season?

Hurricane season is among us! During this time of year, it seems as though there is a new hurricane or tropical storm forming just about every week. However, this is still a very popular season to travel. Some of the best deals on airfares can be found in late summer and fall. Many resorts in the Caribbean, Mexico and Central America offer promotional rates, and most cruise lines offer some of their lowest prices during these months.

I personally have taken a few Caribbean cruises in September, and have had no issues at all. I got great rates on the cruises and airfare, even had a cabin upgrade once, and had nothing but excellent vacations. However, it doesn’t always turn out like that.

When planning a vacation to the Caribbean, Mexico or Central America during the late summer and fall, it is important to keep in mind that there is a chance your plans will be changed or cancelled. Already this year, many cruises in that area have had to alter at least one of their routes to avoid a hurricane, flights have been cancelled and some hotels have had to close briefly.

If you are going to be travelling during hurricane season, remember these tips for a safer trip:

1. Get Travel Insurance, and make sure that your policy covers hurricanes. Also, make sure that you purchase the insurance before the hurricane forms, otherwise it most likely won’t be covered.



2. Use a Travel Agent. This is a perfect example of why to use a Travel Agent instead of booking online. In case of an emergency or cancelled trip, the Travel Agent is there to help you.



3. Check with the airline, cruise line, or tour operator about their travel services back to the U.S. in the event of a hurricane.



4. Minimize your risk of encountering a hurricane by traveling to the lowest hurricane risk islands of Aruba, Bonaire, Curacao, or Trinidad and Tobago. Or take a cruise, since cruise ships are mobile, they are able to avoid hurricanes all together.



5. Leave a detailed itinerary with a friend or family member at home.



6. Make sure you have the phone number of the nearest U.S. Embassy or consulate with you at all times.

Contact a Professional Travel Agent today for assistance with planning your next vacation!