If you are unsure you need travel insurance, click here to view my blog Do I Need Travel Insurance? Top 10 Reasons to Insure Your Vacation . When you’ve decided you need travel insurance the following should help make things a little clearer for you.
Trip Cancellation and Interruption Insurance – What is it and do I need it?
If you need to cancel or interrupt your trip, this type of travel insurance would cover you, with certain exceptions of course. However if you are paying $89 each way on American Airlines from Miami to Las Vegas, you have a small investment to protect. My advice – Don’t buy it. However if you are paying $20,000 for a dream cruise vacation, then you should most definitely protect your investment.
Health Care Travel Insurance – What is it and do I need it?
Often misunderstood it the type of health coverage this policy offers. If you are traveling internationally you need to confirm your medical insurance coverage will cover you in case of accident while traveling. Most insurance companies do not. If you need medical evacuation and repatriate you back the U.S., this is where “Medical Evacuation and Repatriation” steps in to save the day. My advice – If you are traveling internationally, yes please get it. Hopefully you will never have to use it.
Baggage Insurance – What is it and do I need it?
Usually included in your Trip Cancellation and Interruption Insurance policy. This type of insurance covers you baggage in case of loss, theft, delayed or damaged bags. If you are traveling domestically, my advice – don’t buy it. However if you are traveling internationally, Baggage insurance is highly recommended. Due to something called the “Warsaw Convention” there is a limit of liability based on the weight of your luggage and a small allowance for unchecked baggage. These limitations do not provide for significant payouts on lost luggage.
Other types of insurance include: Non-refundable Travel Insurance, Golf Travel Insurance, Adventure Travel Insurance.
Consider the price of your trip (investment) vs. the cost of the policy. In the end only you can calculate your risk, and needs. Read the terms and conditions of any insurance policy very carefully and if you have questions, call the insurance company.
As always, please feel free to share your thoughts and experiences.
Carmen M. Perez, Travel Planner
Your Florida Travel Expert and Girlfriends’ Getaway Specialist
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- Do I Need Travel Insurance? Top 10 Reasons to Insure Your Vacation (bouncebackjournal.wordpress.com)