It has been awhile since travel insurance was discussed. The last post: Hurricane Season – Are You Prepared? is still relevant and a good read. So, why talk about travel insurance again?
Travel insurance is not only for use in case of weather emergencies. Here is a good example: A very recent couple was traveling to Jamaica out of Nashville. They were flying on a chartered plane. In short, a chartered plane is a non-stop flight from one destination to another. It is not a commercial airline, like Delta Airlines, that has several planes in inventory.
They were supposed to leave at 11:55am. At 4:00pm they were still in Nashville because the plane was having mechanical issues and it ended up that the plane needed a whole new windshield. The couple is still at the airport waiting. Finally, at 8:00pm the flight ended up being canceled. The couple is stuck in Nashville and has to wait until the following day to fly out. At that point they had been in the airport almost 12 hours. The bride didn’t know what to do. The airline was being less than helpful and the other passengers were freaking her out by saying that they were going to be out several hundred dollars, where were they going to stay the night at, etc.
After talking with the honeymoon couple I assisted them with getting a hotel near the airport, contacted the tour supplier to confirm their seats for the flight the next day and reminded them that when they return home to make a claim with their travel insurance to assist them with these out-of-pocket expenses and missed night in Jamaica.
A travel agent acts as a saftey net in these situations. When the situation seems like it is never going to get better and the traveler doesn’t know what to do, the agent steps in to assist and take over if needed. Stress can cause a wide range of emotions and the agent can be a neutral party to help the traveler think clearly and get through the situation.
Their travel insurance policy had a trip interruption and trip delay clause in it to help cover unexpected costs in these types of situations. They ended up being reimbursed for their hotel stay, food expense for their night in Nashville, and their missed night in Jamaica.
Not all travel insurance policies are created equal, and just like your auto or home insurance policy, should be reviewed before purchase. Travel insurance is optional and not mandatory to be purchased. However, the minimal cost of insurance may help cover the cost of unexpected medical costs while out of the country, car collision, baggage loss, weather related delays and interruptions, terrorist events, fraud protection, etc. We just never know what will happen on a day-to-day basis and many times the events that cause problems are out of our control.
Questions regarding travel insurance and is it the right fit for you? Contact us here with any questions!