lot of money is being planned to spend in more
invested today in enjoyable ways. An illness,
traveling. Cruise lines, accident or other unforeseen
resort package deals, and air circumstance can force a traveler
travel can easily run into to cancel or interrupt their
thousands of dollars. You may plans. In that instance they face
have invested some of that money two major losses: nonrefundable
on your trip and can risk losing deposits and medical expenses not
it all. Some people either don’t covered by insurance.
think of getting travel insurance
Suppose you find yourself in
or they just don’t want to. Some some mishap that leaves you far
may think they are in perfect from home with no money and
health and they are physically unable to keep the reservation
active, what could go wrong? If you already made with no refunds
something does, they will deal available. This is when it makes
with it then. sense to purchase travel
Why should you buy travel insurance. Most trip travel
insurance?
insurance will cover trip
Why not? It’s relatively cancellation, trip interruption
inexpensive. The cost is or delays, medical, dental,
typically about five to ten emergency medical transportation,
percent of the total outlay for lost luggage, accidental death,
the trip. There are literally financial default of airlines,
hundreds of things that can go and cruise lines.
wrong on a vacation, from a
Here are some common questions
cancelled flight to a serious often asked by travelers
illness. In some rare cases an
What happens if a traveler
act of terrorism or the financial must cancel their vacation?
default of a travel supplier can
Often times a traveler could
cost money you had originally lose nonrefundable deposits and
prepayments that add up to trip. It normally will run
hundreds if not thousands of between 5 and 10 percent, based
dollars. A good travel insurance on the age of the traveler.
plan should provide trip Typically, the average cost runs
cancellation coverage for the around five to seven percent of
traveler's vacation investment the trip cost.
and the insurance company should
What if the airline, cruise
reimburse the traveler for all line or tour operations goes
pre-paid, nonrefundable default?
expenses.
Almost all trip travel
How does trip cancellation and insurance policies include
interruption coverage work?
financial default coverage if the
It reimburses for forfeited, program is purchased within 15
nonrefundable, unused payments or days of making the initial trip
deposits if the traveler must deposit.
cancel or interrupt their trip
Always check for duplicate
due to a covered reason.
coverage
Does travel insurance cover
There are a few types of
acts of terrorism?
insurance related to travel that
Some travel insurance policies you may not need because you are
do not cover terrorism. They may covered from other sources. Your
only cover terrorist acts that health insurance, life insurance
occur in foreign countries. or even your car insurance
Others can cover terrorist polices may have limited
incidents both in the United coverage. Thus, you could be
States and abroad.
buying duplicate coverage. It is
What is the cost of travel important to always compare with
insurance?
your existing insurance policies
The cost of travel insurance to insure there are no
is based on the value of the duplications.
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