When planning a vacation or needing to travel, everyone’s focus is always on crafting the perfect itinerary or finding the best places to stay. Though not all travelers think about getting travel insurance, the minimal costs paid for coverage are a significant benefit, especially when faced with the loss of hundreds or thousands of dollars due to an unexpected delay or cancellation of your trip.
Whether you’re planning a luxurious all-inclusive vacation or a simple weekend getaway, travel insurance is, in my opinion, always worth it. On average, travel insurance can cost between two and eight percent of the total cost of the trip. When you think about it, it’s really not a lot of money to protect you if you need to file a claim due to an emergency, bad weather, or for personal reasons.
Recently, I was skiing at Snowbird in Salt Lake City, Utah, on the second to last day of my trip, when suddenly the Little Cottonwood Canyon resorts went into “Interlodge” due to an avalanche. That meant nobody could leave the buildings until the danger had passed. While our Interlodge only lasted a few hours and didn’t threaten my travel plans, as I write this, Snowbird and Alta are on day five of another Interlodge period. If that had been us, we would have needed to cancel flights and rebook – and our travel insurance would have saved the day.
Travel insurance (depending on your package) covers more than a canceled or delayed trip. Insurance can protect you and your family in the event of an illness or injury while traveling, covering medical costs and if you need an emergency flight home for treatment. Over the years, I’ve held policies with many travel insurance companies to help protect my upcoming travel plans.
Based on experience, I’ve compiled a list of travel insurance benefits and the average cost, so you can decide of a travel insurance policy is worth it for your next trip.
But first:
What is Travel Insurance?
Travel insurance provides coverage for unexpected events before or during your trip. Unexpected events can include anything that prevents you from departing for your trip, an injury or illness, delays causing missed flights, or having to fly home early for an emergency.
Travel insurance policies cover items not typically covered by credit cards or other contingencies like cancellation periods. If something occurs during your trip to cause a disruption or a need to end it…
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