CHARLOTTE: For the most part, aging is not fun. However, one of the true benefits of getting older is having the time and the resources to travel. Active seniors, considerably younger in 2018 than their parents were when they retired, are discovering the joys of travel as never before.
Like almost everything else, however, the pursuit of new worlds beyond the old can have its own set of trials and tribulations. These never appear in the travel brochures.
Any experienced traveler will tell you: No two trips are ever alike, even when the destinations are the same. There is no way to anticipate every eventuality – positive or negative. Travel insurance helps ward off some of the disasters that can happen, from personal illness to weather related emergencies. Yet, not all travel insurance is equal. And the price can range drastically, depending on what you are insuring.
Murphy’s Law and the Need for Travel Insurance
Savvy travelers know that “Murphy” is always lurking. This means the potential for problems is usually far greater than the joyous anticipation of a new travel adventure.
That’s where one of the biggest conundrums of modern day travel sneaks up and bites you.
Do you buy travel insurance or do gamble everything will go as planned?
Insurance is usually a problem because most travelers, be they veterans or rookies, typically do not think about that aspect of their trip until everything else is booked. That super deal for a package, hotel or airfare suddenly loses some of its luster when people realize they should now fork over several hundred more dollars to avoid any number of problems that might arise either at home or abroad.
When June, July, August and early September roll around, most people have made and paid for their vacation.
Hurricane Season Travel Insurance
In the eastern part of the United States, however, June 1 also marks the beginning of hurricane season and concerns about bad weather affecting travel plans last until November 30th.
As the wind and rain season unfolds in the Caribbean, southeast, middle Atlantic states and northeast, travelers are already protecting their investments this year by an increase of 20% or more, especially when it comes to cruising.
Comprehensive Travel Insurance
According to InsureMyTrip, a well-known travel insurance business, 75% of customers are now opting for comprehensive coverage which typically includes medical services, emergency travel programs, baggage protection, trip cancellation and trip interruption coverage.
It’s not much fun to think about, but it is a necessary evil. At the very least, insuring our travel investment must be given careful consideration.
Travel insurance is not inexpensive, but there are ways to minimize the costs depending on your lifestyle and destination.
Tips for buying Travel Insurance Costs
Many tour operators and cruise lines offer in-house packages. Some even allow trip cancellation right up until the day before departure with no questions asked. This is particularly useful if, for example, terrorism occurs at the last minute near your intended destination.
One way to reduce costs is to insure the parts of your trip that are most likely to go wrong. For example, almost everyone has experienced lost luggage at one time or another. The possibility of losing your bags occurs most often when you have more than one flight during your departure or arrival. Non-stop flights are generally less likely to cause luggage loss.
Some plans allow travelers to cancel a trip when NOAA issues a hurricane warning. Be careful with this, however, because once a storm is considered a foreseeable event, your insurance may no longer cover losses related to the storm.
Weather-related events covered by travel insurance
Here are some examples how insurance enables travelers to cancel a trip due. It is very important that you check your policy completely. The following is offered as a starting point:
Canceling your trip due to:
– Weather. When airlines and cruise lines cease service due to weather.
– Hurricane warnings. When a destination is under a NOAA-issued hurricane warning.
– Storm damage at your destination. When a hotel, resort, or vacation rental is devastated and made uninhabitable by a storm.
– Emergencies at home. When the traveler has an at home emergency. Destructive storm damage, or other emergencies, such as death or illness of the traveler to a family tragedy.
– Canceling for any reason: this is an optional time-sensitive benefit that allows travelers to cancel a trip for any reason. This benefit includes specific eligibility requirements. Ask a lot of questions.
The key to reducing the risk of losing your money and your dreams is to find the right travel professional. You need someone who will answer any and all of your concerns in simple, easy-to-understand language.
Beware of the risk and benefit of buying or not buying travel insurance
Travel insurance is a gamble. You are gambling that something might go wrong if you purchase, or won’t go wrong if you don’t. With access to the internet and budget saving travel websites, more and more travelers are booking their own itineraries. Thus by-passing experts in the belief that it is both time and cost saving.
That may be true until the inevitable crisis occurs during your trip. If the crises arise, the uninsured traveler really has nobody to blame but himself.
Travelers interested in learning more about protection plans for travel during hurricane season can visit InsureMyTrip or call (800) 487-4722 to speak with a licensed travel insurance agent.
You can also get information from Hurricane Travel Insurance Expert or phone 401-773-9210.
Don’t be sorry, ask before you book your travel if travel insurance is right for you.
At the very least, if you book with a tour company or a travel agent, be sure to inquire about travel insurance and get some advice. If you do independent bookings online, be sure to speak with a reputable travel insurance business for details and information.
It will cost a little time and some extra planning. When you get home after an uneventful trip, you may even wish you had that money back. However, while you are traveling, the peace of mind you will have will be well worth the investment.
About the Author:
Bob Taylor is a veteran writer who has traveled throughout the world. Taylor was an award-winning television producer/reporter/anchor before focusing on writing about international events, people and cultures around the globe.
He is the founder of The Magellan Travel Club (www.MagellanTravelClub.com)
His goal is to visit 100 countries or more during his lifetime
Editors Note: Support Bob’s GoFundMe to give him a hand up