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Is it Wise to Purchase Travel Insurance? |
by:
Steve Cogger |
The best way to determine if, for you, it is wise to purchase travel insurance, is to considervarious emergency situations that could arise during your trip, determinebest guess forcost of each, and see whether you can afford to pay forworst case scenarios out of your own pocket.
Ifanswer is no, then it is indeed wise to purchase travel insurance.
Even ifanswer is yes, however, money is notonly issue in determiningwisdom of travel insurance.
Let's takelook at what can happen in your travels -situations that travel insurance could have covered. You and your family takedelayed flight from home to another location where you are to change planes. Because of your delay, however, you have missed your connection. Your tickets are non-refundable, non-exchangeable. You are now faced withpurchase of new tickets, withhefty last-minute price tag, as well asfeeding and housing for your whole party asnext flight is tomorrow morning. If you had been wise and purchased travel insurance you would have been reimbursed for these costs.
Your spouse is diabetic. Her purse is stolen while you are traveling. You have no travel insurance and you're inforeign country. How do you retrievemoney lost from her wallet, replace her much-needed reading glasses and, most importantly, get herinsulin she so desperately needs? If you had been wise and purchased travel insurance you would have been reimbursed for these costs. You would have also had someone to call or see for help purchasing insulin.
You have hadwonderful vacation and you're ready to travel home. You suddenly getword thatairline on which you are returning has gone bankrupt and all planes are grounded. How do you get home? To whom do you turn for help and advice? You are incountry where few people speak your language. Who can help you translate? If you had been wise and purchased travel insurance you could have not only been reimbursed forloss ofprice of your airline tickets but you could have been provided withtranslator and someone to help you findalternate flight or cruise home.
These are butfew ofcommon occurrences when traveling. Perhaps travel insurance is indeedwise decision.
AboutAuthor
Steve Cogger,active traveler, has developedhttp://www.one-Happy-Traveller.com website for your convenience. Visit today for all of your travel insurance needs. |
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