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Nobody 'plans'
on having to cancel their cruise but sometimes life 'happens'. Can
you afford to lose all the money you paid? We don't buckle our seatbelt
only when we think we may have an accident. We do it all the time
because you just don't know what is coming around the corner. Read
this recent TRUE story about a travel agent that went on a cruise
and did NOT have insurance! Click
here.
The worst case
scenario would be having to cancel your cruise within a week of departure
where the cruise line penalty is 100%. Insurance would reimburse
you for the loss even if it isn't due to your illness or to one of
your travelling companions.
There are hundreds
of circumstances that could cause you to cancel your trip, return
home early or force you to seek emergency medical treatment while
traveling. To demonstrate the importance of purchasing travel insurance,
and emergency travel services, here are 10 common examples of what
could go wrong.
- It's 10 p.m.
and your family arrives at the airport for a connecting flight,
only to find that your flight has been cancelled. How do you get
your family home?
- Your traveling
companion's bag was lost with his insulin inside. He needs help
to locate his bag as soon as possible and his emergency prescription
filled. Who do you call?
- Your first
visit to Europe, and your passport and wallet are stolen. Where
do you turn for emergency cash, and how will you get your passport
replaced?
- Your spouse
is involved in an accident and adequate medical treatment is not
available. Who will help arrange and pay for a medical evacuation?
- If your sister-in-law
becomes seriously ill and you choose to cancel your trip, what happens
to your non-refundable deposits or pre-payments?
- You arrive
in Jamaica and your luggage doesn't. If it's lost, who will help
you find it? If it's delayed, who will pay for your necessities?
If it's stolen, who will pay to replace it?
- Your cruise
line, airline or tour operator goes bankrupt. Who will pay for your
non-refundable expenses? Who will help get you to your destination?
- You're walking
down a street in Rio and twist your ankle. Who can help you find
an English-speaking physician?
- Three weeks
before your scheduled arrival, a terrorist incident occurs in the
city to which you are planning to visit. Who will pay if you want
to cancel your trip?
- You are at
a beach resort in North Carolina, and you are forced to evacuate
due to an approaching hurricane. Who will help you evacuate and
who will reimburse your lost vacation?
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How
quickly expenses add up! |
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The
following is a real example experienced by a couple vacationing
in the Caribbean. They learned the hard way why you should never
travel without insurance. Mr. Stewart fell and broke his hip and
had to be evacuated to Miami in order to receive adequate treatment.
Here are the expenses he incurred up while on vacation:
Evacuation to Miami $ 8,000
Medical bills in Miami $876
Broken camera during fall $500
Extra seats to lie down on flight home $828
TOTAL $10, 204
While
many travelers think their health insurance, homeowners insurance
or even credit card will provide adequate travel insurance protection,
that's simply not the case. In the above example, only $541 was
covered under his health insurance plan which meant Mr. Stewart
was responsible for the remaining $9,663.
If
Mr. Stewart had travel insurance, these expenses would have been
covered 100 percent. It pays to buy travel insurance!
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Want more info?
Click
here to review coverages and rates!
Military
cruisers or anyone wanting insurance that will allow you to cancel
for any reason can learn more by
clicking here.
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