The determination of
whether you should purchase
travel insurance is a
determination of whether you
want to assume nothing bad can
happen during your travels, or
whether should something bad
happen you can adequately
resolve these unforeseen
events.
None of us think something
bad will happen. We assume
incorrectly that fire, flood,
earthquake and terrorism will
happen to others. We assume we
won't have a heart attack or
stroke, we won't be felled by
illness. We assume wrong.
The question, "should
you purchase travel
insurance" is perhaps
answered by asking yourself
why you purchased homeowners
insurance, or medical
insurance or life insurance.
You purchased them so that
your consistent small payments
would assure you of having
someone else provide help in
case of a catastrophic event
for which you are unprepared.
Purchasing travel insurance,
just like purchasing any other
insurance, is not just about
receiving the funds to
recover. It's also about
having the professional
assistance of those who know
what has to happen for you and
your family to recover, and
who do make that happen. It's
about cooler heads prevailing.
Should you purchase travel
insurance? Well, let's look at
a few things that could, and
do happen, to overseas and
even domestic travelers. Then,
you decide if you should
purchase travel insurance.
You're from Minnesota.
You've never been to the
ocean. You book a hotel room
in Florida for a week but you
are then ordered to evacuate
due to an expected hurricane.
But you have non-refundable
airline tickets, and your
hotel and rental car are
already paid for. How do you
replace the airline tickets
and get reimbursed for your
stay? If you had known this
was going to happen, what
would your answer have been to
the question, "Should you
purchase travel
insurance?"
You're on an island in the
Caribbean, ready for your
cruise back home. You find out
that the cruise ship company
has gone bankrupt and there
will be no return cruise. What
do you do? How do you get your
money back? Most importantly,
how do you get back home? If
you had known this was going
to happen, what would your
answer have been to the
question, "Should you
purchase travel
insurance?"
You're ready to take your
family on a much-needed
vacation to Hawaii. Your
daughter is felled by an
attack of appendicitis and
must have immediate surgery.
But your airline tickets are
non-refundable. How do you get
your money back? If you had
known this was going to
happen, what would your answer
have been to the question,
"Should you purchase
travel insurance?"
About The Author
Steve Cogger is an avid
traveler offering a wealth of
travel information. For more
information or to purchase
travel insurance visit http://www.1-Happy-Traveller.com.
