Planning a Vacation? Secure Peace of Mind with Travel Insurance

Many Americans take a vacation or two each year. And if you are going on a trip, there is a lot of planning involved. Often, you will be flying to your destination and staying in a hotel. You may also be planning to take in several activities during the trip, such as going on a cruise, fishing, camping, or skiing. One thing that is often overlooked in all this planning is travel insurance.

Why should you consider travel insurance for your next vacation? Simply put, it is an affordable way to purchase peace of mind. When you go on a trip, there are a number of things that can go wrong. But when you have insurance, you can relax and enjoy your vacation, knowing you are covered if an emergency occurs.

Here are just some of the areas of coverage you can obtain through travel insurance:

Trip Cancellations: If you plan a trip several weeks (or months) in advance, you will most often purchase non-refundable tickets to get the best price. But what if there is an emergency in the meantime, such as an illness or death in the family, and you have to cancel your trip? With travel insurance, you can recover your costs of the trip (in the event of a covered emergency).

Flight Cancellations: Flights are often cancelled for weather, mechanical breakdowns, and other reasons. And when a flight gets cancelled, it can cause you to miss connections, stay in hotels in various places, and otherwise mess up your itinerary. Travel insurance can reimburse you for new airline tickets, hotel rooms and other expenses required for you to reach your destination.

Delayed, Lost, Damaged or Stolen Luggage: Baggage can easily get lost or stolen, especially if you have several connecting flights and the luggage does not arrive at your destination when you do. With coverage for delayed, lost, damaged or stolen bags, you can rest easy knowing you will be reimbursed for the cost of recovering your bags, as well as personal items needed to begin immediately enjoying your trip.

Lost Passports: When traveling abroad, passports can easily get misplaced. And without your passport, you may end up stuck indefinitely in a foreign country. Lost passport coverage provides reimbursement for expediting a replacement passport from the nearest embassy or consulate.

Injuries/Illnesses while Traveling: When you go on vacation, your health insurance often does not travel with you. This is especially true when you go to a foreign country; but even if you are in another part of the U.S., an illness or injury may incur higher medical expenses because you would be out of your coverage network. Travel insurance can provide coverage for medical expenses not reimbursed by your own health policy.

Vacations are supposed to be a time of rest, relaxation, and refreshment. Unfortunately, the stress about what could go wrong often keeps us from truly enjoying our time away. For a nominal fee, travel insurance can take away all your worries and free you up to get the most out of your vacation. Speak with your independent insurance agent about which travel policy is best for you, and start your next vacation on the right foot.