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!

 

To Do: 11 things you should be doing before you leave on vacation.

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I am a busy, working mom with 3 children. My family also loves to travel. So, nobody understands as well as I do what those days leading up to actually LEAVING the house can feel like. If you are anything like me, you have lists and then your lists have lists! It can feel as thought you are trying to keep track of a dozen papers in a hurricane. Even with all of our list making, it can be easy to forget to the basic things that need to be taken care of because we can be so focused on all the large things. I provide all of my clients a Travel Tips and Checklist document so they can leave for their vacation confident they have taken care of everything. I’m going to highlight some of the important items from that list today.

Money Matters: ALWAYS contact your financial institution and let them know you are traveling. We do it for every road trip that crosses state lines and you should ALWAYS contact them if you are leaving the country. If you are leaving the country, make sure you debit/credit cards have an expiration date that is one month after your scheduled return date. Pay any bills that will be due while you are away.

Your Mail/Newspaper: If you will be gone longer than the weekend, hold your mail. It is super easy to do. Just go to http://www.usps.com/holdmail. You just provide your mailing address and chose your hold dates. This will stop mail from piling up in your mailbox- and from people realizing your home is empty.

Your Services: Do you have a housecleaner or lawn service that would generally be scheduled to come while you’re away? If so, make sure you either cancel that scheduled service or make special arrangements with them to come while you’re away. If you have an alarm, notify your alarm company you will be away.

Your Pets: If you have to board pets, make sure they are up to date on their shots. If you have someone coming into your home, make sure you confirm your dates with them and leave your contact info.

Garbage Day: Will you be gone over garbage pick up day and have garbage that needs to go out? If you have a great neighbor, maybe they can drag your cans out if you have everything ready to go.

Clean Up: I know. I actually groaned when I typed that. However, the only thing worse than coming home from vacation is coming home from vacation to a messy house. So, try to get the laundry caught up (think about all the dirty laundry you’ll come home with), put clean sheets on the bed (think about how good it will feel to climb into your own bed with clean sheets when you get home), give the bathrooms a quick wipe down and clean off the kitchen counters.

The Fridge: Take a quick peek in the fridge and clean out any fruit, veggies or other items that could spoil while you are away. You do NOT want to come home and play the “what’s that smell” game.

Medication: If anyone in your family takes prescription medication, make sure you have picked up a refill if it will run out while you are away.

Your House: Set a light timer or two in your home. Close curtains or blinds. Double check all windows and doors are locked. Water your house plants. Set your thermostat (upper 70’s for summer and upper 50’s for winter).

Let People Know: Make sure you give a few people a copy of your itinerary and let them  how to get a hold of you if you will be in an area where you might not have cell service.

Documents: Double check that you have your identification, wallets, tickets, confirmations, copy of your travel insurance, and cell phones and chargers.

Last but not least, do a head count on the way out the door so you don’t forget any of the kids!

 

 

 

How do you feel about hotel sheets? Inquiring minds would like to know. 😬

  
Hotel rooms. We all love them. They usually mean that you somewhere else and doing something fun.  What they also mean is that you are not at home loading a dishwasher full of dishes, putting away laundry or listening to an episode of iCarly for the bazillionth time. (😩)

I was trying to figure out what I was going to write about tonight and it just came to me as I was making my boys’ beds (I know it is 7:00 pm. Don’t judge me about it. 😖) For some reason, I thought how one of my girlfriends doesn’t use a top sheet. Her family just uses the fitted sheet and no top sheet. I know. I always thought it a bit odd, however she is not in the minority on this issue. (😘 Meg if you’re reading this). 

That led me to think about how she mentioned once that they take their own sheets to hotels. 🤔 What were my thoughts on that, I wondered. I surprised myself when I thought “I don’t hate it. Whatever makes someone’s stay the most enjoyable it can be-that’s the whole point!”

This train of thought led me to my sister. We have teased one of my sisters for years because if she is staying in a hotel, she almost sleeps as if she were an Eskimo trying to keep all her skin covered to avoid frostbite! (Maybe I am just surrounded by people with sheet phobias⁉️)

Let’s face it. We have all seen people like Diane Sawyer or Geraldo Rivera wander through hotel rooms with one of these looking for…😨 icky stuff.  (I could not subject any of us to some of the images I saw of low budget motel rooms with black lights 😷):

  
Their icky reports have you thinking you should carry around a black light everywhere you go to check for errant DNA.  (maybe we should, black lights can be fun! 🎉😂).

However, as much as I respect  people like Diane and Geraldo (not even a little bit), I actually feel pretty comfortable in most hotel rooms I’ve been in (if we disregard places I stayed in my early 20’s, but then I didn’t care 😳) . Not only do shows like this make for compelling television, I think they are necessary.  Reports like these make clean and reputable places better. It keeps them up on their toes.  I’m not saying that they are perfect, but I’m saying it makes them try harder to be perfect.  This is a situation where travel agents can often be helpful. We have lengthy lists of contacts and can find you the best hotels out there-hopefully the ones that are on their toes. 

As much as we would all like to be free of  gross germs all the time, we cannot live in a bubble.  Remember what happened to Bubble Boy? Even his bubble popped. 😟 (A nod to Seinfeld for my husband 😘) 

So, leave the black light at home, and get out and see the world!

☀️Heather