Most people have all kinds of insurance: house, car, health, dental, etc.
But have you ever thought you might need insurance to cover a trip, possessions, luggage or health, while traveling?
Read on for some tips.
Travel insurance, most importantly, the right kind of travel insurance, has become an essential for smart travelers.
If you don't buy the right kind of travel insurance, you could be figuratively "up the creek" if something bad happens while on vacation.
More than your trip could be ruined.
The three main reasons travelers buy insurance are: peace of mind, protection against the unexpected and concern about losing the financial investment in a trip, especially one for which you have been saving for in past years.
Most people are familiar with flight and trip cancellation insurance.
Travel agents naturally offer these to their clients as part of the vacation packages.
On the other hand, many people are unaware of travel health insurance, baggage coverage and most are unaware of medical evacuation insurance.
There is yet another kind of insurance that's available to air travelers: excess valuation baggage insurance.
In general, people think they are covered when traveling if they have health care insurance.
This is true within the United States. However, outside the U.S. that may not be the case.
In some cases, health insurance won't cover you if you're traveling on a foreign-flagged vessel. This is a huge red flag since most cruise ships, even those cruising U.S. waters, are not flagged under the U.S.
The exception to that rule is if you are on one of the NCL ships, the only ones flagged in the U.S. for their cruises in the islands of Hawaii.
In many cases, even if you are covered for basic emergency care overseas (again, a big if), in almost all cases, your current health insurance does not cover evacuating you and returning back to the U.S.
Here are some important reasons that travel insurance should be a "no-brainer" part of any travel purchase.
. Your flight has been cancelled.
. Your bags have been lost and your prescription medications are in them.
. Your passport and wallet are stolen, so you need cash and your passport replaced.
. You're involved in an accident, or have some type of medical emergency, and need medical treatment that is not available in the area and thus require an evacuation.
. You need to cancel your trip due to your or a family member's illness
. Your airline, cruise line or tour operator goes bankrupt.
. A terrorist incident occurs at the destination you plan to visit, so you want to cancel your trip.
. A hurricane forces you to evacuate your resort, hotel or cruise.
. Death occurs during the vacation.
These scenarios are not meant to discourage anyone from traveling.
We in the travel business are well aware that these things do happen, and only want to advise travelers to look at a vacation investment from a sensible angle.
Whenever you are in the planning stage of your get-away, let a travel agent suggest an insurance plan to suits your needs for that particular trip.
There are a number of good insurance companies that provide plans that are almost customized to fit your needs.
Travel still ranks among the most exciting events in one's life. Don't leave your insurance behind.
Until next time, happy travel dreams.
Geraldine Blanchard is vice president of Global Tours and Travel, at 559 W. Eau Gallie Blvd., Melbourne. She can be reached at (321) 676-6040 or firstname.lastname@example.org. For information visit, www.globaltours.com.