Travel Insurance For Your Next Trip - Should I Get It?

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Travel Insurance for Your Next Trip – Should I Get It?
 

Taking a trip, whether it be a weekend visit to sunny California, a 7 night Caribbean cruise or a 14 night Australian adventure, can be a vacation of a lifetime. Rather than spending your time worrying about what can happen to you on your trip, you can enjoy relaxing and enjoying your adventure if you purchase travel insurance.
 

Just as important as not leaving home with all your luggage and other travel items, you should never leave for a trip without first securing travel insurance. You may be in good health, but it is still recommended you have travel insurance as it entails much more than just being covered for medical protection.  You can’t predict if you’ll get sick or have an accident while on your trip. If you’re making plans for an upcoming trip, here are some general guidelines for buying travel insurance. 
 

What Should a Good Travel Insurance Policy Include? 
 

Your policy should cover cancellations, interruptions or delays to your trip.  Especially important, if you’re traveling outside of the United States, you should have coverage for medical and dental expenses incurred and emergency medical transportation to get you back home if you become very ill.  If you have a previous medical condition then you will probably need a policy that will cover existing medical conditions.  Your travel insurance should provide coverage in case any of your travel suppliers become insolvent and cease to operate.   Finally, your insurance should provide coverage for lost, damaged or stolen baggage.  No matter how much money you are spending on your trip, your vacation dollars are hard earned and should be protected. 
 

Common Situations That Usually Aren’t Covered 
 

It’s important to know what isn’t covered in your travel insurance plan. Each insurance company has their own policy exclusions and your travel consultant at Cruise Planners of Kansas City will go over your choices.  In most cases, an insurance company doesn’t include coverage for incidents related to drug or alcohol abuse or if you were involved in the commission of a crime. Another very common exclusion is not covering pre-existing medical conditions.  Most travel insurance companies will waive their pre-existing condition clause if you purchase their insurance within a certain time period.    
 

Think you might change your mind after booking your trip?  Travel insurance doesn’t normally cover you if you decide to change your mind about a trip.  That option is available, but at a higher premium. 
 

Rental Car Rider
 

Frequently, trips also include the rental of a motor vehicle.  Most travel insurance policies do not include rental car protection in their standard policies.  Depending on the insurance company it is only a small increase in the premium to add rental car insurance.  With the insurance company Cruise Planners of Kansas City uses, the rental car insurance premium is only $9/day.  This is quite a bit lower than taking out insurance directly with the rental car company.
 

You professional travel consultant at Cruise Planners of Kansas City will assist you with selecting a suitable travel insurance policy for you.  For help in planning your next trip, contact Cruise Planners of Kansas City. As a full-service travel agency, we can assist you in arranging your next trip.  Cruise Planners of Kansas City handles a wide range of travel requests, including everything from securing your airline tickets to custom itinerary planning.  What can we do to help you plan your next vacation?