Travel Insurance- do you need it?

Every so often, I’ll do a blog about why My Vacation Lady strongly suggests protecting your vacation or honeymoon with travel insurance.  Not only have we needed it for our personal vacations, but clients who do need to use their policy are happy that they bought it in the first place.

Ziplining in the Riviera Maya

Ziplining in the Riviera Maya

Of course, weather related issues are one of the major reasons to take travel insurance during the winter and during hurricane season but let’s take a look at some other reasons:

  • You get sick before your vacation and the doctors tells you not to travel.  One of my clients had to have emergency surgery before her vacation.  While the surgery went well, the doctor didn’t want her being around lots of people for fear of infection.
  • You get sick or injured during your vacation and need to be treated in a hospital or need to be flown home.  Maggie and Carlos were on their honeymoon in French Polynesia when she got a very large gash in her foot while snorkeling.  Concerned about infection, they used their travel insurance to cut their honeymoon short, fly home and get medical care in the U.S.  (It was actually a good thing since she ended up needing surgery)
  • You are enjoying your vacation when you receive a call that a family member has been rushed to the hospital and isn’t expected to make it.  Unfortunately, this has happened to a few of our clients.
  • Your luggage gets lost
  • Your boss tells you (after your vacation is all booked and paid for) that you can’t take your vacation time (this may be an addition to some policies).  Last year,  a client who booked a spring break vacation with her family, was told that she couldn’t get the time off because the school district, where she teaches, had cut short their spring break and she was not allowed to take off.
These are only a few examples of why I, personally, won’t travel without travel insurance and why I highly recommend travel insurance to my clients.
We have plenty of stories of when our clients used their travel insurance and also, unfortunately, have stories of when our clients didn’t take travel insurance and lost money when they had issues with weather, illness and more.  While we hope you never need to use travel insurance (like auto, home or life insurance), you’ll be glad you have it when you do need it.
My Vacation Lady can offer many types of travel insurance to best fit your needs.  Some of our suppliers will offer a Cancel For Any Reason Travel Insurance.  We can offer coverage that will cover you when your boss says— no you can’t have your vacation time or when you get sick.   When we plan your vacation or honeymoon, we’ll offer you different options in travel insurance and you can decide which is best for you.

About the Author:

Mindy Gilbert of My Vacation Lady has been helping clients, just like you, plan their dream vacations, cruises and honeymoons since 1994.