The Case for Travel Insurance

Flight itinerary concept with passport and map

What is Travel Insurance?

You may hear a lot about Travel Insurance, or Trip Insurance, or a Travel Protection Plan. These are all pretty much the same thing, but there can be some differences.

Your first reaction may be “What is it, and why do I need it?”. You may be wondering, is this just another way to get me to pay more for my trip?

Travel Insurance is there to protect your investment in your trip, should there be some event that causes you to have cancel, delay or interrupt your trip. 

Examples of events that are often covered in travel insurance include the following:

  • You have an emergency at work that requires you to be at work instead of on your trip.
  • You become ill or injured before or on your trip. 
  • Your flights are cancelled or delayed, causing you to miss a connection or the scheduled start of a tour or cruise.
  • Your luggage is lost or stolen.

Why do I need it?

There are several reasons travel insurance is highly recommended. 

If you have to cancel a flight, cruise or tour, in many cases, the amount you have paid is not recoverable, without insurance or a protection plan. 

Your health insurance coverage may not cover you in a foreign country. 

If you have to be evacuated back to the US, the costs can be extremely high. 

Where can I get it?

In many cases, coverage can be obtained directly from the tour operator, cruise operator, or airline. But it can also be obtained separately. As a travel agent, I can help you see what different options are available, so that you can make the right choice.

How much does it cost?

Cost and coverage is variable on a lot of different factors. For separate insurance policies, the price will vary based on type of coverage, your age, your state of residence, and the cost of the trip. For plans provided by the cruise or tour operator, or the airline, it will depend often on the value of your trip.

When I talk about type of coverage, here are some things that can make a difference:

  • Do you want a credit toward a future trip, or do you want to just recover your money?
  • What is the maximum amount of coverage do you want?
  • What features do you want in the coverage (eg, pre-trip protection)?



Leave a Reply

On Key

Related Posts

Berlin Sunrise at the Spree River

How to Spend 2 Days in Berlin

The significance of Berlin in the 20th Century cannot be overstated. It was here that the rise of Nazi Germany took hold with the burning

5 Things to do in Barcelona

In recent years, Barcelona has become increasingly popular as a tourist destination, and with good reason. Located on the Mediterranean coast of northern Spain, is

Lucerne Switzerland

6 Places to Visit in Central Switzerland

Introduction to Central Switzerland In previous posts, we have talked about Western Switzerland, Northern Switzerland and the Bernese regions of Switzerland. In this post, I

3 Day-Trips from Paris

You can visit several places in France while based in Paris. Here are just three examples. Let’s talk about where you would like to visit.

Before You Travel. . .

In this post, we will review some of the new entry requirements that will soon be coming to Europe and the United Kingdom, and review some other things that you can do before traveling to make things smoother.

Patrick McGill Travel (336) 681-2970 © 2020 All Rights Reserved. Jamestown, North Carolina An Affiliate of 4 Moons Travel 1228 Guilford College Road, Suite 105 Jamestown, North Carolina 27282
%d bloggers like this: