'Should You Purchase Travel Insurance?'

Should You Purchase Travel Insurance?

Steve Cogger () -

The determination of whether you should purchase travel insurance is a determination 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 won't have a heart attack or stroke, we won't 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 of a catastrophic event for which you are unprepared. Purchasing travel insurance, just like purchasing any other insurance, is not just about receiving the funds to recover. It's also about having the professional 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 at a few things that could, and do happen, to overseas and even domestic travelers. Then, you decide if you should purchase travel insurance.

You're from Minnesota. You've never been to the ocean. You book a hotel room in Florida for a week but you are then ordered to evacuate due to an expected hurricane. But you have non-refundable airline tickets, and your hotel and rental car are already paid for. How do you replace the airline tickets and get reimbursed for your stay? If you had known this was going to happen, what would your answer have been to the question, "Should you purchase travel insurance?"

You're on an island in the Caribbean, ready for your cruise back home. You find out that the cruise 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 to the question, "Should you purchase travel insurance?"

You're ready to take your family on a much-needed vacation to Hawaii. Your daughter is felled by an attack 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 to the question, "Should you purchase travel insurance?"

About The Author

Steve Cogger is an avid traveler offering a wealth of travel information. For more information or to purchase travel insurance visit http://www.1-Happy-Traveller.com .

• http://www.1-Happy-Traveller.com

Comment #1 James (211.24.242.162) -

I beleive travel insurance is a necessary thing for every travellers, especially going abroad.

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Comment #2 endora (24.45.126.104) -

Great write up! I totally agree that for the average cost of 39.00 you bought peace of mind. I worked in the travel industry during 9/11 and let me tell you did that help the people stranded on vacation! It covered the extra nights they had to pay for because the airports were closed. Ive also had a few clients hospitalized while on vacation. Dont leave home without it!

Comment #3 Ed (152.163.38.217) -

What about the "travel insurance" that is offerred on many (most?) credit cards? Does that really do anythig for you?

Comment #4 tater03 (12.168.211.47) -

I'm not to sure about the credit card travel insurance. But I think that the smart thing to do is always buy insurance. Especially with all the terror alerts and stuff. You just never no anymore.

Comment #5 Lily (74.226.31.240) -

Thanks for posting this information. I had completely forgotten about insurance. I can't believe that I had. From what I have read the price is not that bad and well worth the peace of man if something does happen.

Comment #6 steve-o from a city that never sleeps -

You know, I have travelled so many times without insurance. I'm lucky nothing bad ever happened. I'll make sure to purchase traveller insurance for the next vacation i take!

Comment #7 Callie from someplace else -

We never travel abroad without travel insurance. I mean especially if you take a cruise and miss your cruise because of a flight delay. Can you imagine how expensive it must be to have a helicopter have to drop you on the ship?

Comment #8 Milly18 from my little office -

I would think a person would have to be pretty cheap not to get travel insurance. I would not travel without it! What if there was an unexpected sickness and you could travel? That is there to protect you.

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