Why Travel Insurance?

1. There is always that chance that a trip will need to be cancelled for one of many reasons. People get sick, work gets in the way, a close family member passes away, or a tornado hits their house. Not all reasons for cancelling a trip are covered, but many are may be reimbursed, unless it's Cancel For Any Reason Travel Insurance.
2. In the case of a flight cancellation….which is certainly not unusual these days in travel, sometimes trip interruption coverage will help to solve the dilemma or at least help make it palatable.
3. Sadly, this has now become more and more of a concern in our world so it is something important to consider. If it is simply unwise to travel to a destination due to a recent terror attack or perhaps the airports are closed and there is a travel advisory in effect travel insurance can protect your trip.
4. Hurricanes and travel do not mix. Perhaps you are headed to Mexico and a hurricane hits there 5 days before their travel date. The hotel you are booked in has had to close temporarily. How will you get your money back if you cancel? Travel insurance can help recover pre-paid costs and assistance with other services.
5. Have you ever had your luggage lost or delayed when traveling? Well, if you have not…you are one of the lucky few!  Additionally, there is coverage available for lost, stolen or damaged luggage that will reimburse for clothes and other personal items.
Things happen when we least expect them to. Life is if anything, unpredictable. There is always that possibility of getting ill while on a trip, being injured and or possibly needing emergency medical evacuation. Being prepared with the right insurance coverage is absolutely necessary. We all think we are invincible and nothing can ever happen to us, but life does happen and it is so important to have that insurance blanket around us. I am going to share with you a true story about one of my high school classmates and what happened to her sister while they were on a trip this summer. This story brings home the reason it is so important to help protect you with the purchase of travel medical coverage and medical evacuation insurance.
My thanks to my friend Ellen for sharing this story and reminding us all we need to sell and have travel insurance.“My sister and I, along with my nephew, were recently in Northern Italy in the Alps for what promised to be a beautiful cycling vacation. Unfortunately my sister fell while on her bike and broke her hip. We were in a beautiful town called Cortina that looks like a cross between Yosemite and what I think heaven should look like. Lots of Europeans go there to ski, hike and bike. 
The spot was remote in some ways; although there was a hospital there that treats orthopedic injuries. My sister required surgery immediately. Thanks to our travel insurance we did not feel so alone in the situation.
She was triaged remotely from the United States by a medical team that was provided by our travel insurance. They gave us assurance that the treating hospital and surgeon were qualified. They stayed in touch with us and perhaps most importantly they sent us a very experienced nurse from the U.S. to escort us home. They upgraded my sister’s seats to business class. The nurse sat with her the entire time on the plane to make sure she was safe and doing well. The service was “door to door” meaning the nurse picked us up in Italy, flew with us to JFK and then to Colorado. She did not leave until she was sure my sister was safely at home.
It was so comforting and helpful. We were not charged for any of this (as it was covered by our policy.) We are still waiting to receive our refund from the cycling portion of the trip that we missed but I expect that will be covered, too. It would have been very difficult to navigate all that had to be done if we had not had the insurance.”
Revised article by Joanie Ogg

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