The Benefits of Travel Insurance

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You purchase insurance in case of an emergency for your large life purchases- your home, your vehicle, your belongings and your health. Most vacations cost thousands of dollars and, in some cases, families have scrimped and saved over time in order to take their once in a lifetime trip.

Generally speaking, travel insurance can cover all aspects of your trip from lost or delayed luggage to flying you out of a remote location if you need medical assistance. The cost is usually minimal compared to the cost of your trip and can save you many headaches, lost money from a trip that cannot be taken and, in some cases, even your health.

I often think that clients do not understand the value of travel insurance until it is explained to them. I also understand that it can feel like you already spent enough money on your trip, so pulling out your checkbook to write another $400 (I just pulled this number out of the air) seems unnecessary because “nothing will happen”. However, you just never know and, just like with your car or your health, isn’t it better to be safe than sorry?

Here are some ways that travel insurance can add value to your trip:

  1. Handling the Unexpected. You have saved for your perfect vacation and are all ready to go and then an elderly parent become hospitalized, a child becomes seriously ill or there is a work emergency. Travel insurance can save your perfect trip so you can take it at a later date.
  2. Rebooking for Later.   A policy that includes trip cancellation will allow you to preserve your funds so you can rebook with your agent at a later date.
  3. Trip Interruption. You are in the middle of a fantastic trip and get a phone call that there has been an accident at home and you need to return immediately. Trip interruption coverage allows you to return home in the middle of your trip and recover most of your investment.
  4. Lost Baggage. If your luggage is lost or stolen, baggage benefits on your policy can help you replace the essentials that have gone missing.
  5. Help with Problems. Having emergency travel assistance with your policy is essential. This provides your with a team available 24-7 to deal with emergencies. This could be a need for an attorney or lost or missing travel documents.
  6. Keeping your Healthy. If you become sick or injured while in another country, travel insurance with medical benefits allow you to be directed to a local English-speaking hospital or doctor.
  7. Getting you Home. If your insurer determines that your health and medical situation is an emergency and that you cannot be helped where you are, they can arrange for you to be moved to a proper hospital or medivac you back home.
  8. Peace of Mind. The peace of mind knowing that almost every situation that could arise would be covered by your travel insurance policy is probably the most important item on this list.

There are also insurance options if you are traveling closer to home. Your agent can provide you with an accurate quote in just a few minutes.

5 Reasons You Should Give a Travel Agent a Try

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You use a professional for your taxes, your car repairs, your hair so why aren’t you using a professional for your travel needs?

In this day and age with hundreds of websites full of travel information, discount deals and special offers constantly in front of us, people need the services of a travel professionals more than ever.

  1. They read the fine print and compare offers. There are a lot of deals  on the internet seem far too good to pass up and people wonder why the quote they received from an agent was higher. However, what they are missing is the small details from the discount website quote that makes it less expensive. For example, it is a lower category room, doesn’t include transportation to/from the airport, includes horrible flight times, etc. An reputable agent is trained to put together the best possible deal for you and include everything you need for a stress free trip.
  2. They are your personal vacation shoppers. One you have established a relationship with an agent, you become more than just a client. They will often keep you in mind if they come across a deal or a trip that you might be interested in.
  3. The Human Factor. Let’s face it, a discount internet site isn’t going to share you vacation excitement and have real interest in how your trip was when you return.
  4. They are the experts. Like your doctor or mechanic, a good agent will ask the right questions, listen to your answers and help to guide you to the best fit for your vacation time.
  5. They can manage both the product AND the service of your vacation. A travel agent knows how to sell you the vacation that fits your needs-the airline and resort, the cruise or the vacation closer to home. They also offer the service that will guarantee your vacation is stress free and goes off without a hitch.

The best way to find a reputable travel agent is to ask your friends and family. You might be surprised how many people actually use an agent for their travel needs!

So, the next time you’re thinking about a vacation, give a travel agent a try!

 

Travel Tip Tuesday: Road Maps

Did you miss me? I missed an entire week 😖. I have no good excuse-the week just got away from me! However, I’m back on track! So, here we go!

Road maps. An atlas. Whatever you want to call them…I think they are necessary to keep in your vehicle if you travel. 

I wonder if there is someone reading this that has no idea what I’m talking about (much the same way my kids do not understand a phone with a cord, a VCR, TVs without remotes or car door that didn’t always open from across the parking lot 😒)

If you are unsure WHAT a map is. Here it is:


You might be wondering WHY I think a map is a great thing to keep in your vehicle, and here is why: Linda (the name for the lady in my GPS-her name is a family joke and comes from The Wedding Singer. I’ll leave it at that! 😉) is not always right. *GASP* Yep. I’ll say it again. 
Linda is not always right. 

Neither is Mapquest, Google Maps, etc. *double gasp*

I does pain me a bit to write that because I ❤️❤️❤️ technology. I don’t like thinking that it cannot do everything all the time but, alas, it cannot. 💔

I would need 2 hands to count the amount of times we have pulled ours out because we’ve been detoured onto some road that isn’t recognized and we have had to figure out where we are and how to get back on track. We have also used it when we are in u familiar areas and not sure if we trust the GPS directions. It has truly gotten is out of more than one jam. 

They are also a fun way for kids to track your trip!

They take up very little space. We keep one of the US in the glove compartment. So, go get one. You might be surprised when you find you need it! 

Travel Tip Tuesday #4: Travel Binders for Kids

If your kids are anything like mine, they want to remain attached to their electronics on a road trip. Ultimately, 2 problems eventually come into play after hours spent staring at their screens:

1. Using your phone as a hotspot is eating your data like one of those ticket eating machines at Chuck E Cheese

2. Your kids 👀 begin to rot from staring at their screen and even they grow tired of using them. 

So, what is a mom to do with hours left in the trip?! Pull our your customized travel binders. 😍

 Travel binders are a great idea if you are traveling by car, plane, train or boat. Any kind of travel that requires your kids to sit still for a boring extended period of time and they are on a much needed electronic break. 

If you are unsure what they are, here is a picture of a binder from Creative Connections for Kids

  

I made travel binders last year for my kids and they were a huge hit. I set ours up the same way using the case that would clip into the rings of the binder. The nice thing about the travel binders is that you can tailor them for your individual child’s age or interests. 

Creating them is a breeze! I promise. I am not a crafter. I actually don’t like it all all, so I wouldn’t consider this a crafty project. It’s super simple this is what you need:

1. Three ring binder for each child

2. Pencil case or bag that can clip inside the rings

3. Those plastic page protectors for 3 ring binders

4. Dry erase markers/cloth to wipe off pages

5. Pages you have printed and slipped into the page protectors. 

Here are a few samples from the binders we still had hanging around:

 
At the time, my daughter was almost 9 and my boys were 6 so they had some of the same pages and some different ones. They could all play along with things like scavenger hunt pages, tic tac toe, word searches and road trip bingo. My daughter was old enough to follow along on maps of the trip, so hers held a few maps. 

If you have older kids, try creating pop culture trivia sheets, or “guess the song” with just a few words from the lyrics. All kids love hangman-make a hangman sheet! You are really only limited by your imagination! Plus, there are literally DOZENS of sites that have the sheets you can download. I’ll list a few at the end. 

I also picked up a few things at the Dollar Tree (my fav store! 😍) and Five Below and stuck them in there. 

Tailor them for your individual kids and you’ll have a car full of happy people!

☀️Heather

Living Well Mom She has over 150 downloadable forms and tons of great ideas!

Glue Sticks Blog This blog is an excellent source for travel binders! You must check this one out! 

Travel Tip Tuesday #3: If you travel with kids on road trips you will thank me for this tip. 

I want to write that again….if you travel with kids on road trips, you will thank me for this tip. I am positive of that. If you don’t find it helpful, then I will find myself questioning everything my life has been about. 😂

We have 3 kids and when we travel, we travel. By that, I mean we’re a bit insane (according to our friends 🙄). We drive straight through from Upstae NY to South Florida without stopping. (Well, we stop to use the bathroom 😬) We spend up to 22 hours in the car  this often has us eating in the car. I’m certain I do not have to tell you that 3 kids eating in the car can very quickly make the inside of your vehicle look like the local land fill. Not to be forgotten in this scenario is spilled drinks while they are all screwing around (all the while insisting that they aren’t 😒). During hour 4 this scenario is manageable. During hour 14 (and every hour after that), this scenario has me considering stuffing myself into our car top carrier where it is quiet!

I came across these little basket things at The Dollar Tree (I just ❤️❤️❤️ that store!) a couple of years ago and picked them up. We’ve been using them for various things ever since! 

Feast your 👀 on this:

 

the “K” is for one of my kids. each of their baskets has their initial on it
 
There are so many great things about this basket. 

1. Can you see how it fits over our armrest on the captain’s seat?

2. It has a spot for a cup. It will hold plastic cups from our house or cups from most any restaurant 

3. The frog (sorry… My pictures reflect my life!) is sitting in an area that will hold a sub, hamburger, pretty much any kind of food. 

4. The little section next to the cup will hold fries, chips, apple slices, you name it. 

5. They come in different colors so there is no question about which basket belongs to which little person (we still did an initial because a certain mommy couldn’t seem to remember 😳)

The baskets also stack for easy storage. I’m all about easy, clean storage! 

BONUS TRAVEL TIP:

These also work great to hold crayons or other items to keep your kids busy on the road!

BONUS NON TRAVEL TIP:

These would also be great if you have a sick kid (or husband 😉) at home. You could set them up with this cup of ice or ginger ale, crackers, busy items, etc. 

I’m pretty sure they are out in the stores now. Do not walk-run to your local Dollar Tree and grab some! 

☀️Heather