Consider how you would cope with these travel snafus: You’ve waited years for the big vacation, and you receive a pink slip shortly before you are ser to depart. A storm results in your flight being canceled and you miss your cruise departure. You break your leg and need immediate medical attention on your fantasy getaway. Just unlucky? Should you avoid planning that trip? Think again! Situations like these happen every day, and each could have a significant financial impact on you as a traveler.
The solution is simple, according to Joe Janowski, owner of Travel Leaders located at 7608 Oswego Road, Bayberry Plaza, Liverpool. “Purchase travel protection insurance,” said Janowski. “When considering all the planning needs of a vacation, consumers frequently forget the potential big-ticket items, such as how to recover a non-refundable deposit from a cruise line should an emergency occur. A well-planned trip today simply must include travel protection insurance to save your investment against those unexpected situations. Trip insurance costs little, and having it gives you peace of mind that you’ll be okay no matter what obstacles may be thrown in the way of your vacation.”
According to Janowski, travel protection insurance covers many contingencies, depending on the type of trip planned. “There are different types of policies from various companies. Travel Leaders offers to protect non-refundable trip deposits and payments should your travel be canceled or interrupted for any reason,” said Janowskì. “They also include affordable family rates and primary medical coverage so you can get emergency medical attention immediately, without having to access your own health insurer.”
Other benefits may include missed connection insurance; travel delay insurance; emergency medical expense coverage; emergency medical transportation benefits; baggage insurance; travel accident insurance; and now some policies even cover cancellation due to job loss. Travel insurance also typically has a pre-existing condition waiver (relating to a medical condition) which covers both the travelers and immediate family members. A common rule of thumb is that travel insurance typically costs between five and ten percent of the total cost of the trip.