Travel Insurance You Should have It, but did you Get the Right Policy?

Courtesy of cbsnews.com

Cruise Travel Insurance – You Never Know What’s Out There

So, you are getting ready for your vacation.  You’re bags are packed, your flights on time and the kids are waiting in the car cheering with excitement.  You think to yourself, “This is going to be the best trip ever!”  But you didn’t realize your luggage was about to get lost that your connecting flight was going to be canceled due to the “Snow Storm of the Century,” or even worse you may end up having to return home after spending a day on your vacation when a member of your party becomes ill.  Good thing you have travel insurance Right?

Trip Insurance is just like auto or home insurance. You hope you never have to use it but when you do, it’s important to have a good policy. No one starts off on vacation planning for something to go wrong, but each year thousands of travelers experience a problem along the way. Good travel insurance can help you visit the far flung corners of the world worry free.

If you become sick or injured on board a ship or in a foreign port of call, the cruise line has limited liability and responsibility to get you to the nearest emergency medical facility. They are not responsible for the costs incurred for medical treatment. While many foreign countries have excellent medical facilities, some are not up to normal U.S. standards. Patients and their families often desire to be transported back to the U.S. and if this involves an air ambulance the costs can run from $10,000 to over $100,000 depending on the circumstances. Air evacuation is generally covered under Trip Insurance policies.

Another popular feature of Trip Insurance is coverage for cancellation in the event of illness or injury prior to the departure. Most policies cover not only the travelers but also your immediate relatives. And your policy may even provide something called "pre-existing condition" coverage. This means that you may be eligible for coverage for medical conditions which exist before you depart on your trip. In this regard, timing of the purchase of the policy is critical to establish coverage applicability.

There are many additional benefits Trip Insurance offers including lost or delayed baggage, renter’s collision insurance, missed airline connection and more.  Your Cruise Specialist can assist you in determining which Trip Insurance plan best suits your needs. Remember to carefully review all the details of your policy to insure that you have the limits and coverage needed to insure a stress free cruise. Proper insurance is the right way to start off your cruise, because you never know what’s out there.