Increasing global uncertainty is making people re-think Insurance
So, you've read my posts and your inspired to book that next trip! But, the question on your mind now is whether or not you should also purchase Trip, Luggage or even a Medical Plan insurance with your booking? You know your not a big risk taker, but at the same time, you don't want to be overly cautious or feel taken advantage of, so what should you do? As an industry professional, I need to let you know these forms of protection are available, but let's look at when each one may be appropriate to add on to your booking.
Trip Insurance:
Of the three forms of travel related insurance, Trip Insurance is the easiest to decide upon. First, unless you've been on another planet for the past 3 1/2 years, you know, the world has become less certain than ever. Everything from the continued variants of Covid, civil unrest, war, and now even extreme weather conditions threaten our travel. All of this means that a vacation you have been anxiously awaiting for can be canceled in an instant. Borders can be closed, Flights can be canceled, Hotels can be with limited resources of all kind, and all of this without warning, and often non-refundable. My best advice is simple; for pennies on the dollar, or approximately the cost of one nice dinner you may typically enjoy while on holiday, purchase this insurance whenever the trip may involve any of these; parts of the world known to be more at risk, the trip is booked for more than 6-months out in time, is complex with many destinations involved, or represents an important moment to you such as a wedding, anniversary or retirement.
Luggage Insurance:
Luggage insurance is the next easiest to determine when to add on to your booking. If you had read my post about Travel Products, you found out the number one fear of travel is surprisingly not the fear of flying but the fear of losing one's luggage, and so I had recommended the nifty products called AirTags to help track your luggage. Again, for pennies on the dollar, reimbursement for the value of your personal belongings inside your luggage can be protected, and like Trip Insurance there are times when it is more advisable to consider the added cost of this protection. For example complex trips involving multiple locations, airport connections and even changes between different airlines, all increase the probability of your luggage being misplaced or even stolen. In addition, while airport logistics are amazing, there are some airports more stressed than others in which I would advise anyone traveling thru to consider the inexpensive protection;
30 Most Stressed Airports in the World
- Frankfurt International Paris Charles de Gaulle Airport
- Hong Kong International Berlin Schonefeld Airport
- Brussels Moscow Domodedovo Airport
- Bogata El Dorado International Airport Newark Liberty International Airport
- Dusseldorf International Eidhoven Airport
- Kuala Lumpur Intl Bordeaux-Merignac Airport
- Henri Coanda Intl Edinburgh Airport
- Malta Intl Boryspil Intl Airport
- Billy Bishop Toronto City Manchester Airport
- Lisbon Portela Stockholm Bromma Airport
- Geneva Paris Orly Airport
- London Gatwick Lyon-Saint-Exupery Airport
- Stockholm Arlanda London Stansted Airport
- Reykjavik Keflavik Kuwait Airport
- Toronto Lester B. Pearson John Paul II Intl
Medical Trip Insurance:
While no one plans to be injured or come down with an illness while on a vacation, the truth is that this occurs all of the time. While most major health insurance carriers will provide at least some coverage related to claims occurring outside of one's home country, there are often gaps, and lets face it, most of us forget this very important detail while planning a trip! As a Travel Professional I would always perform my diligence of offering medical trip insurance at least to those traveling abroad and Medical evacuation insurance is almost mandatory for any client who is or could be, medically at risk.
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