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Vacationing is supposed to be worry free and a chance to completely free your mind. If being worry free is what you are going for, then why is it that only around 21% of people that travel purchase travel insurance? Imagine if you would have been injured on the train in London today where 22 people were injured according to Yahoo news. Would you have been able to receive medical care? I want you to be prepared when you travel. You spend a great deal of money on your vacations and the last thing, you want to do is worry… about anything!
Trip or flight cancellation is probably everyone’s biggest concern. This is covered under the standard travel insurance. Also, the cancellation of airplane tickets, cruise fare, tour packages, hotel rooms, charter fishing boats, golf greens fees. Most of the time if these expenses are pre-paid they are non-refundable without insurance. The standard insurance reimburses you if you need to cancel your trip before you depart. Here is a partial list of reasons for cancellation:
There are many different types of coverage, Trip Interruption Coverage is similar to Cancellation Coverage, which allows you to cancel your trip for any reason; however, it covers you while you are actually on your trip. The list of covered reasons is the same. So, if anything happens and you need to return home in the middle of your trip this insurance will reimburse you for the lost portion of your trip…as well as any additional expenses for the last-minute flight home.
Medical Coverage is for medical emergencies abroad. Most people think their medical insurance will cover them anywhere they may go and in the U.S that might be true, but traveling abroad is a different story. Most insurance companies do not provide coverage, and Medicare never covers you abroad or even on cruises. When you purchase this insurance if anything happens and you or a family member need medical attention…you are covered. This is probably one of the most important policies to purchase, especially when traveling abroad. Another level of medical insurance is Evacuation Coverage which will pay for any emergency evacuation expenses such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care. Always keep in mind foreign countries, facilities may not be as sanitary as what you may be accustomed to and your health is all you have, so why risk being without insurance.
It is clear to see that having travel insurance is key to truly having a worry-free trip. Always inquire and read the terms of insurance and what it covers. And always contact your insurance company to see what all is covered before traveling. Travel like a true expert, stay informed and travel well. #iBookWithBlueface