Ask anyone who has been stuck as a result from a major accident or delayed flight missing the connection and my bet is they would agree. Yes, it is worth it to pay anywhere from 3-6% of the trip cost for those unexpected experiences.
Your dream vacation can take a year to save for, but only a split second to ruin. While you can’t do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment and buy travel insurance. Travel insurance can provide you coverage for medical expenses, trip cancellation/interruption, baggage damage, and much more. Plus, with every insurance plan you will also receive 24-hour travel assistance that covers services like flight changes, lost wallet or passport, broken eye-wear, dinner reservations, transportation arrangements, identity theft services, lost luggage tracking and more.
Personally, I feel the most important coverage offered is the medical expenses and emergency medical transportation. Did you know when you leave the United States you may not only be “out of network” but you may not be covered at all? Maybe your credit card like American Express covers you - do you know what your limits are and if it is primary or secondary coverage? I am not one to push any unnecessary extras but it pays to know these kind of things before something happens.
No one plans for broken bones, lost luggage, stolen passports, hurricanes, earthquakes or volcanos. No one plans to have their boss cancel their vacation before they have even left home. And no one plans to get into an accident. But it happens and the question is how do you want to manage it? If you never have to use it, then you may feel why did I pay for it? All that money could have gone to another vacation! But when you need it for what ever reason, then you will be happy to have it.
Have you had an experience with or without Travel Insurance?
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