Should You Insure Your Trip?

You’ve just booked the vacation of a lifetime or a quick getaway to the Big Apple. Now you’re wondering if you should purchase travel insurance. If you’re concerned about unforeseen circumstances that might cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling, then the answer is affirmative. 
Typically, travel insurance includes: 
Trip cancellation/interruption coverage – You’ll be covered if your trip is interrupted or canceled for a limited number of reasons or events, such as injury, sickness, death of yourself, a family member, a traveling companion or business partner. Some policies will only cover medical reasons, and many travel insurance companies will not cover pre-existing conditions.
Travel delay – This coverage is designed to reimburse you for hotels and meals incurred when your travel plans are delayed. However, it only covers certain types of travel delays.
Missed connections – This coverage may pay for airfare cost associated with missed connections, but covered events are usually restricted.
Baggage Loss – This coverage reimburses you for lost, stolen or damaged bags. Before packing, be sure to make a list of everything in your bag. If your luggage is lost, you may be reimbursed for some contents, but not all.
Emergency medical evacuation – If you are going on an adventure vacation or to an area far from modern medical facilities, it may be a good idea to buy this coverage. If adequate treatment is not available at a local hospital, you would be transferred to the nearest adequate medical facility. Be sure to read the terms and conditions related to coverage of pre-existing conditions before you purchase the policy.
Before you buy trip insurance, BBB suggests taking these steps:
  • Read the fine print. Know exactly what is covered and is not covered.
  • Consider buying your travel insurance from an independent firm rather than from the tour operator, airline or cruise line.
  • Protect yourself further by paying with a credit card instead of cash, check or debit card.
  • Be sure to check your homeowner’s policy to see if it covers your property while traveling.
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