This week's blog post is a little different than usual. It's not about the beautiful and unique places you can travel to or the amazing experiences you can have on your trips.
This week I'm talking about something you should never travel without. It doesn't matter how old you are, your health condition, or where you are traveling, you should never ever go without travel insurance. Here's why...
You plan a vacation you've been dreaming about for quite some time and you think... why would I need travel insurance? You're young, healthy, and there is nothing that will make you cancel this trip. Think again...
Once a client's itinerary is finalized I always send a proposal for travel insurance. It's not mandatory that they purchase it but highly recommended. Most people think travel insurance is only to to be used in case you want to cancel your trip (and no one ever wants to cancel their trip!). But there are so many unforeseen circumstances either before or during a trip that can result in a huge loss if you're not protected.
Before the trip...
During the trip...
A bad fall in Costa Rica resulted in my client being flown in a helicopter to a hospital for ankle surgery. The insurance company not only covered the medical costs but also handled the purchase of extra seats on the plane for my client to be able to elevate her legs. The insurance company also had ambulatory service waiting for her at the airport to take her home when back in the US. They provided excellent service which helped my client feel a little better during this unfortunate situation.
One of the questions I always get is 'how about my credit card coverage?'. Most credit cards have some level of coverage when traveling but you need to check with them to verify the amounts: what is the amount of medical coverage? and are you comfortable with that level? if something were to happen, is there a number to call for them to assist and purchase additional plane seats or new tickets, etc.?
I also never used to purchase travel insurance for my own trips thinking I would never need it. But so many unpredictable things can happen. It's worth it to have the peace of mind that your investment is protected in the event something goes wrong.
Consider the total cost of travel – flights, hotels, ground transport, tours, activities plus the value of your luggage. Then consider the small cost to cover yourself from the unexpected with travel insurance.
I hope this was helpful in learning more about the benefits of travel insurance. Next time you plan a trip, make sure you know your options and protect your investment.
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I work with my clients on creating personalized travel itineraries while consulting on everything from destinations to excursions and logistics of the trip. Through my personal travel I seek unique activities including private guides and tours for exceptional experiences. More on Belkys