Why Do I Need
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, read about this 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 traveled with Travel Guard insurance, these expenses would have
been covered 100 percent. It pays to buy travel insurance!
Here are 10
other common examples of what could go wrong.
1.
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?
2.
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?
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.
Your spouse is 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 choose to
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?
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