Posted by: Five Star Travel & Cruises | January 27, 2011

10 Reasons to Purchase Travel Insurance

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.

  1. It’s 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
  2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
  3. 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?
  4. You’re involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
  5. If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
  6. 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?
  7. 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?
  8. You’re walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?
  9. 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?
  10. 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 investment?

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  1. Nice job on this. Too many travelers take off without it only to be awakened later to the loss of a large amount of money when something goes wrong!

  2. Very important blog and passengers really need to prepare and ask themselves if they can handle these situations on their own.

  3. Absolutely true! Recommending travel insurance is good advice. It has truly saved our clients who were en travel during a hurricane or who get injured abroad. You never know!

    • I can’t recommend insurance enough to my clients. These points are excellent and they really do happen. Everyone thinks “it won’t happen to me.” But yes, it certainly can. Better to protect yourself and your precious money in the event of a situation.

      Jennifer Byrne

  4. Travel insurnace is one of the most important items to recommend to our clients. There is so much comfort knowing that you have a US contact when traveling abroad. There are many components that have to work in harmony for a successful vacation and having travel insurance is really a necessity.

    Janet Nelson

  5. Truer words were never written, just this past year I had to help 4 clients with claims on their insurance policies, 3 of which were Mother Nature at her worst.

    Do not ever rely on your American Health insurance to cover you and I highly recommend a true travel insurance company to cover all your travel plans.

  6. I just had a couple who were 5 days from their cruise and the husband passed away unexpectedly and they had passed on the insurance. I was able to get her a credit with a “no use by” date. A very sad but real situation. If she didn’t have a Travel Agent she would of been too distraught to even think of dealing with cancelling her cruise and probably would of lost all her money.

    Travel Agents should be part of a traveler’s experience helping with the good and sometimes not so good parts of travel.

    Thanks for your post, it is a good reminder on why to use a Travel Agent.

    Tanja Rieck

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