I am going to do my best to not sound like an insurance salesman, but I am writing this to let you know my personal thoughts on how travelers insurance could help you. Insurance is something that could be a blessing, but also something I hope that you will never have to use.
When we begin the check out process of travel bookings there is always and option to purchase insurance, but it’s always expensive and the befits are hard to justify compared to the cost.
What other travel sites are not trying to sell you is an annual insurance policy, but insurance just for that specific trip. Those policies are just for specific portions of your trip and quite often not for multiple areas area the entire trip.
What is the most overlooked necessities of a frequent traveler is an annual insurance policy. For the person who has planned multiple trips you never know what unforeseen circumstances could happen. Accidents, lost bags, sickness, delays and cancelation can and do happen.
There are many reasons you may have to cancel a trip at the last minute loosing any non refundable part of your trip or incurring unexpected medical expenses.
If I have gained your attention and want to know more information on an annual policy you can see all the details on my blog by clicking HERE. If you are interested in how my past annual policies have benefited me then please keep reading.
Every year my annual plan has paid for itself, but some years have had massive benefits.
So far in 2019 I have used my travelers insurance three times.
- My laptop had vodka damage and my travelers insurance paid the renters insurance deductible of $250 for repairs.
- My luggage was damaged by an airline and the insurance paid the $500 + difference between the settlement amount and the cost of a replacement.
- I had an illness causing me to miss a trip and my insurance paid $750+ for non refundable portions of my trip.
In February of 2018 I had a medical problem while in Sydney, which caused me to visit an urgent care and two specialty doctors. I almost had surgery there in Sydney, but was able to arrange this for when I arrived home in LA just a few days later.
In December of 2016 My Grandma died and with only a weeks notice for me to get home. I had already booked a pre paid non refundable scuba trip that was to depart the weekend I needed to be home. I was able to submit a claim for the non refundable portion of my trip and was paid four times more than what I paid for the annual Policy.
In 2015 I went on the Atlantis Mexico cruise and left my rental car parked in the garage. My car was broken in to and a suite case was stolen from my trunk. My travelers insurance covered all of the deductible and parts my renters insurance was not able to cover.