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:
- 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.
- 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.
- 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.
- Lost Baggage. If your luggage is lost or stolen, baggage benefits on your policy can help you replace the essentials that have gone missing.
- 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.
- 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.
- 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.
- 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.
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.
- 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.
- 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.
- 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.
- 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.
- 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!
I don’t. 😳
I never even thought about creating one until recently and now I am obsessed with what to put on it.
I struggle with what is “list worthy” (very much like Elaine trying to determine if someone was sponge worthy 😜 It really is a process and I feel her pain about deciding.). When I started thinking about it, I had a lot of questions:
- Do I list places I can probably never get to in my life like an African Safari or keep it simple and attainable like the Texas. 😂
- Do I discuss it with my family and make it a family list? Or do I just make the list and drag them around?!
- Do I list things in order of importance, or just throw them on as they come to me?
Ultimately, I came to the conclusion that I should IMMEDIATELY stop overthinking this before I give myself a migraine! 🤕
In the end, it should be all of those things. I should list the attainable and the far reaching. I should include my family and also include things that are important just to me. And it doesn’t matter the order-it just matters that they get on the list.
If you do not have goals in life, it can be easy to stop reaching. You can become complacent with your career, your finances, and your personal life.
Needing goals for travel is really no different. We all need to take time to refocus and recharge-either alone or with our loved ones. Having a bucket list allows us to decide what will fit into our schedules, how to plan for short trips, or even save for the big ones we thought we’d never get to take!
So, get out your open and paper (or open your notes app 😉) and get started!