Should I Buy Travel Insurance?

Every traveler has experienced some setback in their travel plans: a lengthy delay, cancellation, lost luggage, that’s why Travel Insurance is so important.

Here’s it is in a nutshell!

Travel Insurance can cover Cancelled or Interrupted Trips, Missed Connections, Lost, Damaged or Delayed Luggage, Medical Emergencies Abroad, Evacuations and every travel insurance company provides 24/7 Support.

Here are some covered reasons you may need to cancel your trip, which may be covered depending on the company you buy your Travel Insurance from: (this is only a partial list, which covers everyday situations for cancelling).

  • Unexpected illness, injury, or death of yourself, a family member, or a traveling companion

  • Traffic accident prior to trip

  • Theft of passport or visa prior to trip

  • Natural disaster damages to your destination or cancel of your flight

  • Bankruptcy of your travel company

  • Called for jury duty

  • Laid off from work or required to work

  • Terrorist incident in your destination city

Once you’re on your trip think about these matters: what if you encounter missed flights, had lost or stolen luggage, an accident, illness, canceled tours, emergency evacuation, lost passport/travel documents, theft or terrorism during your trip.

Depending on how much of your trip is prepaid, each traveler’s potential loss varies. It depends on restrictions your airline ticket has, where you’re traveling to or what the value of your luggage is.

You can add “Optional Benefit” policies to cover specific concerns, most companies have various packages to choose from.

Every Travel Insurance policy has a list of circumstances where coverage is not provided, known as Exclusions. Be sure to review the policy carefully to avoid misinterpretations.

You invest money when planning a trip. What are the chances you’ll need Travel Insurance?

Ask yourself this:

Are you willing to take risk of not buying it? If these expenses are pre-paid and non-refundable, you risk losing it if something goes wrong. Be sure to ask a lot of questions and always read the fine print to see what is covered.

Be sure you speak to an insurance agent that knows about Travel Insurance and understand your options, so you can make an informed decision for your trip.

Travel insurance is best used when your pre-paid and non-refundable expenses are more than you are willing to lose, minimizing sizable financial risks of traveling. With Travel Insurance you will have valued coverage that travels with you and your family, along with peace of mind.

Travel Insurance is designed to cover you from the day you leave home to the day you return home from your cruise or trip.

These are only informational guidelines, policies can differ, even within the same company.

Click here for your Travel Insurance:

For further information on Travel Insurance call Motz-Rusin Insurance Agency in Palm Desert at 760-564-3888 or go to License #0M26924