The determination of whether you should purchase travel insurance isdetermination of whether you want to assume nothing bad can happen during your travels, or whether should something bad happen you can adequately resolve these unforeseen events.

None of us think something bad will happen. We assume incorrectly that fire, flood, earthquake and terrorism will happen to others. We assume we will not haveheart attack or stroke, we will not be felled by illness. We assume wrong.

The question, "should you purchase travel insurance" is perhaps answered by asking yourself why you purchased homeowners insurance, or medical insurance or life insurance. You purchased them so that your consistent small payments would assure you of having someone else provide help in case ofcatastrophic event for which you are unprepared. Purchasing travel insurance, just like purchasing any other insurance, is not just about receivingfunds to recover. It's also about havingprofessional assistance of those who know what has to happen for you and your family to recover, and who do make that happen. It's about cooler heads prevailing.

Should you purchase travel insurance? Well, let's look atfew things that could, and do happen, to overseas and even domestic travelers. Then, you decide if you should purchase travel insurance.

You are from Minnesota. You've never been toocean. You bookhotel room in Florida forweek but you are then ordered to evacuate due toexpected hurricane. But you have non-refundable airline tickets, and your hotel and rental car are already paid for. How do you replaceairline tickets and get reimbursed for your stay? If you had known this was going to happen, what would your answer have been toquestion, "Should you purchase travel insurance?"

You are onisland inCaribbean, ready for your cruise back home. You find out thatcruise ship company has gone bankrupt and there will be no return cruise. What do you do? How do you get your money back? Most importantly, how do you get back home? If you had known this was going to happen, what would your answer have been toquestion, "Should you purchase travel insurance?"

You are ready to take your family onmuch-needed vacation to Hawaii. Your daughter is felled byattack of appendicitis and must have immediate surgery. But your airline tickets are non-refundable. How do you get your money back? If you had known this was going to happen, what would your answer have been toquestion, "Should you purchase travel insurance?"

About The Author

Steve Cogger isavid traveler offeringwealth of travel information. For more information or to purchase travel insurance visit http://www.one-Happy-Traveller.com.