To Insure or Not to Insure - That is the Travel Question

The last thing anyone wants to do is think negative thoughts about a vacation.  It’s a journey we’ve saved for and anticipated with excitement.  Who wants to think anything can go wrong?  Unfortunately, there are hundreds of circumstances that could put a little bump in the road (and a dent in your pocketbook) .. .bad weather, lost luggage, family or work circumstances, medical emergencies while in another country.  Life is unpredictable!  Here are just a handful of common examples of what could go wrong:


  1. It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?

  2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?

  3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?

  4. You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?

  5. If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?

  6. You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?

  7. Loss of personal items …you accidentally drop your favorite watch into the Caribbean Sea while floating on a catamaran, leave behind your expensive prescription sunglasses near your chair on the beach in Mexico… 

  8. You are walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?

  9. A blizzard has cancelled flights to your US destination and you are unable to get home for another two days. Those additional expenses weren’t in your budget.  Who will help reimburse for this travel delay expense?

  10. You are at a beach resort and forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?

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