Travel Insurance // Why Do We Need It?

When booking a trip, a travel agent will always ask you if you are interested in purchasing travel insurance. It is almost like a "Do you want fries with that" of the travel world. Most people see that as an extra cost and decide to opt out. Whether it is your trip, your possessions, your luggage, or your health, travel insurance has become an essential for smart travelers. At Travel Planners, we urge you to consider it.  Why you ask? Let me explain. 

You may need it. If you are taking a long and expensive trip, travel insurance could be a very smart choice. If a natural disaster, sudden illness or family issues arise, will you be losing a great deal of money? Are your plane tickets nonrefundable? Have you been saving for this for years? If you answered yes to any of these, you may need to devise an insurance plan. 

How much is travel insurance? If can range anywhere from five to fifteen percent of the trip, depending on age of traveler and trip details. If this fits your budget, I would strongly suggest purchasing. Would give you a great peace of mind. Call your local travel agent for the details!

Trip-cancellation insurance is a great coverage option when you have paid a substantial amount of money for this getaway. If things end up not working you, you at least get your nonrefundable, prepaid travel costs back. However, trip-cancellation insurance only covers very specific reasons for why your trip was canceled. These include sickness, natural disasters and theft. Make sure to read the fine print when deciding to purchase this insurance. But if traveling to a place where natural disasters are very common, this is a IDEAL coverage option. 

Generally, travel insurance is sold in packages, combining various categories of coverage. Go through them and determine what you need and what you don't. 

Top reasons to purchase travel insurance:

Reasons to buy travel insurance 

                                                       1.) Your flight has been cancelled. 

2.) Your bags are lost and your medication is in it. You need to have an emergency prescription filled.

 3.) Your passport and wallet are stolen, and you need emergency cash and a replacement passport. 

4.)You're involved in an accident and adequate medical treatment is not available. You need medical evacuation. 

5.) You need to cancel your trip due to illness. 

6.) Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable expenses covered and to get to your destination. 

7.) You have a medical emergency in a foreign country. 

8.) A terrorist incident occurs in the city where you’re planning to visit and you want to cancel your trip. 

9.) A hurricane forces you to evacuate your resort, hotel or cruise.