Travel agencies do everything they can to help you plan your luxury vacations so that you can enjoy them without any problems. Unfortunately, sometimes unanticipated events can through wrench in some of the best laid out plans. Certain unexpected emergencies such as sudden injuries, lost luggage, or cancelled flights can happen when you are on your trip. You can easily eliminate worries from your upcoming vacations by buying travel insurance to remain prepared for the unexpected.
Lost luggage – Millions of people in the United States lose their luggage every year. However, compensation for the lost luggage by airlines varies by country when flying on non-domestic flights, and in some cases may not even exist.
Sometimes travelers lose their bags temporarily on transit and are without wardrobe and other essential items. In many cases, luggage is never located. Compensation does not cover the loss expensive items such as computers, cameras, designer clothing and other items.
So by skimping travel insurance for lost baggage, you may end up losing hundreds of thousands of dollars on replacement, including new luggage. Shopping is definitely a fun activity, but if you limited budget, enforced shopping won’t be enjoyable. So in the end, you may not be able to enjoy your trip at all thinking about your loss every minute.
Flight cancellations or trip interruptions – Whether there is any terrorist incident in your destination country, or you have some family emergency, events that are out of your control means that you will have to cancel your trip. So if you don’t have travel insurance, trip cancellations means loss of money that you have spent on airline reservations, cruises, destination deposits, and more.
You should definitely consider travel insurance for missed connections or flight cancellations because if you have cancel your trip, travel insurance would jump in and reimburse the amount so that you can schedule another trip sometime later.
Medical Emergencies during holidays – Illness or medical emergency can occur anytime during vacations, whether due to injury or other medical issues. Although your health insurance will cover you in the US, some have exclusions for foreign travel and even for some cruises that are not under the US flag.
Sometimes serious medical conditions may need emergency jet or helicopter evacuation to hospital. This medical insurance is necessary for any trip but is important when you are traveling to some underdeveloped country as it could mean difference between life and death. Medical travel insurance will also cover issues such as treatment for minor ailments and lost medications.
Stolen or lost passports and wallets – Sudden loss of credit cards or travel papers can put a damper on your vacation plans. Fortunately, you can have emergency cash through travel insurance while you follow up and make suitable arrangements with your credit card companies and bank. Credit card and passport coverage will reimburse you for any unauthorized credit card purchases. This coverage may include help in emergency transfer of funds from family, friends and home.
The type and amount of travel insurance you should buy is a topic that you should discuss with your travel agent. They know of best travel insurance options for a specific journey. However, you should avoid buying travel insurance from cruise lines or airlines because such policies often favor them. Travel insurance obtained independently from a cruise or a airline is the best option that can give you full value for your money.